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california rideshare insurance

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what is rideshare insurance?

Simply put, rideshare insurance coverage from Esurance is designed for California 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'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 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 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 protection?

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).

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 1-800-ESURANCE 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 insurance:

sharesmart infographic sharesmart infographic

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