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Ieuter Insurance Group Blog

All You Ever Wanted to Know About Insurance

Uber/Lyft: Are You Covered Under Your Personal Auto?

  • The answer is maybe!  The chart below will help.  Most policies there is a public or livery conveyance exclusion in Section II – Liability Coverage would apply if someone on the policy was involved in a loss when operating as a TNC driver.   
  • The biggest gap in coverage is when the  ride share application is on, but you don’t have  riders in your car.   The coverage with many TNC is only $50K for liability.  When you have a passenger, then the limits go up to $1,000,000.
  • Your personal umbrella would not cover you while driving for a TNS.

Insurance companies are starting to come out with endorsements to address the gaps in coverage.  Please call your friends at Ieuter Insurance Group at 989-835-6701 or email info [at] ieuter [dot] com for more information.