Uber, Lyft, and Your Personal Auto Insurance

Mercury Insurance:
​Covering Insurance Gaps for Uber, Lyft and other TNC Drivers

Driving without adequate coverage

It's almost 2am and you're driving around downtown waiting for the bar hopping crowd to turn to their smartphones to hail a ride home. The car in front of you stops suddenly and you are unable to stop in time, resulting in a fender bender with damage to both of your bumpers. The ridesharing company's insurance won't cover the damage to your car, and neither will your insurance. You're left paying for that new bumper out of pocket. 
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How does this happen?
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Most personal lines auto policies stop covering you as soon as you turn on your ride-sharing app.
Additionally, many Transportation Network Companies (TNC) only cover you after you have accepted a fare, or they only have limited coverage for the time when your app is on before you’ve accepted a fare.
This leaves many drivers at risk for accidents or fender benders that might happen before they pick up a fare with no personal insurance or company insurance to cover them. 

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Getting you covered

To make up for the gaps in coverage
Mercury Insurance has developed a new coverage for ride-share drivers called their Ride-Hailing coverage.
This coverage will help to close any coverage gaps for "Period 1" driving when your app is on, but you haven't gotten any ride requests yet.

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Mercury's Ride-Hailing Coverage

This coverage extends drivers’ personal auto policies, allowing drivers to obtain coverage not provided by their ride-hailing companies. 

For example:

• Excess Liability
• Comprehensive and Collision
• Uninsured Motorist*
• Medical Payments

To add ride-hailing coverage onto your policy, call or email us today!