I drive rideshare or delivery
Coverage by state and app status, deductibles, storage, total loss, and the personal policy exclusions that catch drivers out. This is most of the site.
Search by state →I was a passenger
Who contacts you, why several insurers may be involved at once, and what the process usually looks like from here.
Read the guide →I was hit by a rideshare driver
Why an unfamiliar company may be calling you, how to check that they are real, and why the driver's app status decides so much.
Read the guide →Common questions
- Why do I have to pay a $2,500 deductible if I wasn’t at fault?
- What happens if I’m hit by a hit-and-run driver?
- Does Uber Eats cover damage to my car?
- What changed with Uber Eats insurance on September 1, 2026?
- Can I get my $2,500 rideshare deductible back?
- What insurance applies while I’m waiting for a ride request?
- What insurance applies after I accept a ride?
- Why did my personal insurance deny my claim?
- Does Uber or Lyft give me a rental car after an accident?
- Who pays for my lost income while my car is being repaired?
- How long does it take to get my deductible back after subrogation?
- Who pays my medical bills if I'm hurt driving Uber or Lyft?
- Does Uber or Lyft pay me if I'm injured and can't work?
- What is Uber Optional Injury Protection - and do I have it?
- What injury benefits do DoorDash drivers get after an accident?
- Does Instacart cover me if I'm injured while shopping or delivering?
- What Happens If My Car Is Totaled While Driving Uber or Lyft?
- What Happens If the Other Driver Doesn't Have Insurance?
- Do I Have to Report an Accident to Uber or Lyft?
- Why Was I Deactivated After an Uber or Lyft Accident?
- Why Does Uber or Lyft Care Whether I Have Collision Coverage on My Own Policy?
- What Does DoorDash Auto Insurance Cover After an Accident?
- Is Uber Eats Insurance Different From Uber Rideshare Insurance?
- Do Uber and Lyft Drivers Get Paid Sick Leave in New York?
- Do Uber and Lyft Drivers Get Paid Sick Time in Washington?
- What Is the New York Black Car Fund—and Does It Cover Uber/Lyft Drivers?
- What Happens If I’m at Fault in an Uber or Lyft Accident?
- Does Uber or Lyft Insurance Cover Damage to My Car?
- What Happens If I Crash While the Uber or Lyft App Is Off?
- Do I Need Rideshare Insurance or a Rideshare Endorsement?
- What Is Uber Vehicle Interruption Coverage?
- Who Pays Towing and Storage Fees After an Uber or Lyft Accident?
- My Uber or Lyft Car Was Totaled and I Still Owe Money—What Happens?
- Why Is My Uber or Lyft Accident Claim Taking So Long?
- What Evidence Should I Save After an Uber or Lyft Accident?
- Who Is the Insurance Company Handling My Uber or Lyft Claim?
- Do I Need Special Car Insurance to Drive for DoorDash?
- What Insurance Does Amazon Flex Provide After an Accident?
- What Happens If I Have a Car Accident While Delivering for Instacart?
- Do I Need a Police Report for an Uber or Lyft Accident Claim?
- What If My Uber or Lyft Car Damage Is Less Than the $2,500 Deductible?
- What Insurance Comes With a Lyft Flexdrive Rental?
- Can I Use a Rental Car for Lyft?
- Can I Use a Rental Car to Drive for Uber?
- What Insurance Comes With an Uber Rental Car?
- Can I Use a Personal Rental Car for Uber or Lyft?
- How Long Does Insurance Have to Respond to a Claim?
- Does the At-Fault Driver’s Insurance Have to Pay for a Rental Car?
- How Long Will Insurance Pay for a Rental Car After a Total Loss?
- Can I Claim Loss of Use If I Didn’t Rent a Car?
- When Can Insurance Stop Paying Storage Fees After an Accident?
- Why Is My Uber or Lyft Insurance Claim Taking So Long?
- Who’s Who in an Insurance Claim?
- Do I Need a Lawyer for My Car Accident Claim?
- What Happens After You Hire a Car Accident Lawyer?
- How Much Does a Car Accident Lawyer Cost?
- What Does It Mean When the Insurance Company Hires a Lawyer?
- Why Are PIP and Bodily Injury Claims Open at the Same Time?
- Why Was My Insurance Claim Sent to SIU?