Getting a Ride in the Gap

by Terry Bryant

Uber, Lyft, Insurance

Know Insurance Implications Before Catching a Ride

You think that you’re making a good decision by calling a rideshare service to drive you home after you’ve been drinking. This is, of course, effective to avoid a DWI, but you may find yourself riding with a driver who does not have insurance to cover you if you are involved in an accident.

There is a difference between a personal auto insurance policy and a commercial auto insurance policy. Caught in the gap between the two are rideshare programs designed to allow drivers with personal auto insurance policies transport individual passengers in a commercial capacity.

For now, rideshare services such as Uber and Lyft are carrying excess policies designed to cover accidents that are caused by a rideshare driver’s fault. However, there are still unanswered questions when it comes to the details of coverage. Be sure to take this risk into consideration when deciding whether to call a rideshare program so you don’t find yourself caught in the gap.

Rideshare companies may be the cheapest ride available, but this may lead to you paying far more for it later if you’re injured in an accident. Talk to your insurance agent to decide whether coverage for this situation is available under your personal auto insurance policy. Your agent may try to dissuade you from taking out extra coverage, but it’s better to be safe than sorry until the parties involved have time to close the gap.

If you or someone you know has been involved in an auto accident, contact a Board Certified personal injury attorney about your potential claim.