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rideshare insurance

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ShareSmart™ has you covered

There's no denying the ever-rising popularity of rideshare companies like Uber and Lyft - especially in California, which has the largest rideshare driving base in the country. Now, California motorists who drive for a rideshare company can get quality protection with ShareSmart, only from Esurance.

how ShareSmart works

Say you carry California's required liability insurance coverage, plus comprehensive and collision coverages - you should be covered, right? Not necessarily, because driving for a rideshare company is considered using your vehicle for business, which most car insurance companies don't automatically cover. But you have insurance through the rideshare company you work for, so they'll cover you, right? Well, again, not necessarily. There are gaps in coverage between your personal auto policy and your rideshare company's insurance policy. The ridesharing process is typically broken down into 3 periods:

  • Period 1: Your rideshare app is on but no passenger requests have been accepted.
  • Period 2: A request has been accepted and you're en route to pick up the passenger.
  • Period 3: The entire time you have a passenger in your vehicle.

When your rideshare app is on but you haven't accepted a ride yet (period 1), your personal car insurance stops covering you since you're now using your personal vehicle for business use. But likewise your rideshare company's insurance doesn't fully kick in until you've accepted a ride (period 2) - leaving a gap in your coverage. So if anything were to happen before accepting a ride from a passenger, you could be left footing the bill.

ShareSmart, now available for California rideshare drivers, covers the gap between your personal auto insurance and your rideshare company's insurance.

If you have comprehensive and collision coverage on your personal auto insurance policy, you can add ShareSmart as well to ensure you're fully covered should a mishap occur while you're waiting to accept a ride.

Additionally, you can count on all the coverages on your personal policy to remain effective while you're actively driving for a rideshare service.

do i have to pay 2 deductibles?

No! Here's the best part. With ShareSmart, we'll cover the difference between your Esurance and rideshare company deductibles (you pay the lowest deductible, we pay the rest).

who's eligible for ShareSmart?

The endorsement is available to all California rideshare drivers who qualify for an Esurance policy, and is tied to the specific vehicle used for rideshare driving. Existing Esurance policyholders can add the endorsement to their policies at their next renewal.

If you have any questions about ShareSmart in California, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262).

If you're an Uber driver, Esurance has a dedicated phone line - 1-855-525-2078 - for helping you add ShareSmart to your policy. Calling this number will let agents know you're an Uber driver so we can quicker serve you. If you're driving for another rideshare company, just call 1-800-ESURANCE.

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