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In some cases these policies are required; for example, all drivers who wish to pick up in NYC must obtain a TLC license.
So what are the downsides to not having a specific rideshare policy and how might it affect you?
Your car at that point stops being a personal vehicle and is now no longer covered by your personal policy to the minute the passenger exits the car and the App is turned off.
Since TNC (Transportation Network Company or basically rideshare company) drivers use their personal cars to give rides, they almost never have livery licenses that Limo/Cab companies have required their drivers to get. According to the Insurance Information Institute Insurers and insurance regulators are concerned about misconceptions regarding the use of personal auto policies by TNC drivers.
Underinsured motorist coverage pays the insured or their family members when a driver causes losses that exceed the negligent driver’s policy limits.
This last part is important as it greatly increases the risk you face if you collide with an uninsured driver without a passenger in the car and the app turned on!
However even here not all insurance coverage is the same.
However as rideshare becomes more ubiquitous, more and more insurance companies are cognizant of the changing landscape and offer products to match.
There are many reasons for why your personal insurance carrier might drop you/increase your premium if you fail to disclose your ridesharing activity and then have an accident.
According to a paper written by the NAIC, there are a few reasons for this.
Not all rideshare insurance policies give you the same coverage.
There are two main types of insurance policies that can help you cover this gap in your policy.