what is rideshare insurance?
Simply put, rideshare insurance coverage from Esurance is designed for California and Illinois drivers who work for Uber or Lyft. Since there can be coverage gaps between your rideshare company's insurance and your personal auto insurance, ShareSmart®
can provide you with the extra coverage you need.
why do i need ShareSmart?
ShareSmart from Esurance is designed to financially protect you and your ride should something go awry during those periods
where you're not covered by your personal car insurance or your rideshare company's insurance. Adding ShareSmart rideshare
coverage to your existing auto policy can help fill in those coverage gaps so you're covered from the moment you start
driving for a rideshare company, to the moment you drop off your passenger at their destination.
how ShareSmart works
Say you carry California or Illinois' 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 insurance company's policy. The ridesharing process is typically broken
down into 3 periods:
- Period 1: Your ridesharing insurance 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 coverage 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 ridesharing 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 — that is, if you
don't have ShareSmart rideshare coverage from Esurance.
ShareSmart, now available for California and Illinois rideshare drivers, covers the gap between your personal auto insurance and your rideshare company's insurance. That means you're covered for all 3 periods of the ridesharing process — from beginning
to end. That's all the more reason to get a quick quote for rideshare coverage, and be sure to answer "yes" if you drive
for a rideshare company.
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. It's always a good idea
to speak with your licensed insurance agent to see what your auto policy does and doesn't cover. How's that for all-around
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 and Illinois 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 or Illinois, feel free to give us a call at
Car insurance for Uber drivers
Esurance has a dedicated phone line for people looking for Uber driver insurance. Call
1-855-525-2078 to add ShareSmart to your policy or learn more about our insurance coverage for Uber drivers.
Coverage for other rideshare drivers
If you need Lyft driver insurance or drive for another rideshare company, just call
for a quick, free quote for ShareSmart rideshare coverage.
Here's a quick breakdown on the difference between your personal auto insurance coverage versus Esurance's rideshare
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