Am I Insured if I use my Car for Uber or Lyft?
The last few years have seen a giant proliferation of people who are augmententing their income by using their cars in conjuction with Uber and Lyft. These are ride sharing programs that allow customers to download an application and order a car to pick them up and take them to a desired location. In the old days we would call this a taxi cab but because they are using the program the drivers are not employees but independent contractractors.
Carrying people for a fee is called livery in Insurance Lingo and has been excluded from most personal insurance policies.If you are using your vehicle for Uber of Lyft you have probably learned that they have a blanket policy that will cover you while you are on a call. Unfortunately that policy will not cover you on the way or while you are waiting for a call only while the customer is in your car.
We now have access to a program that will cover you for such use. Please call or office for quotes and more information regarding this program