Your personal auto policy applies, and Uber's and Lyft's rideshare coverage doesn't. Uber says your personal insurance covers you while you're offline. Lyft says it has no policy that applies when the app is off, and directs you to your personal insurer.
That doesn't guarantee your insurer will pay. Your own policy's terms and exclusions still decide the claim.
What doesn't apply
- Uber's and Lyft's rideshare liability coverage
- Uber's and Lyft's contingent comprehensive and collision coverage for your own car, which only starts after you accept a ride
Why your trip history matters
If your insurer learns you drive rideshare and suspects you were heading to or from a shift, it may investigate whether commercial use applies. Your app’s trip history can help establish whether the app was off at the time.
Save it now, even though the app was off. It's easier to keep than to reconstruct.
Driving an Express Drive rental?
That's separate. If you drive a Lyft Express Drive rental, the standard insurance in your rental agreement applies. None of that carries over to a car you own.
Why did my personal insurance deny my claim? →Do I need rideshare insurance or a rideshare endorsement? →
Whether your personal policy excludes rideshare-related driving can depend on your state. Open your state and jump straight to what we have verified.
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