Does My Car Insurance Cover Me if I Drive for Uber or Lyft?

Driving for ride share companies, like Uber or Lyft, has become more and more popular. With many people doing it as a side job and even more people driving as a full-time gig.  But most drivers don’t realize that the coverage provided by your typical car insurance policy and the insurance provided by your rideshare company leaves gaps that can put you at risk liability wise.


Let’s take a look to see how it works…

Uber Lyft Insurance Murfreesboro TN

The Three Periods of Ridesharing

When you are a rideshare driver, there are three periods in the process.

Period 1 – Your app is on, waiting to accept a ride request

Period 2- On your way to pick up a passenger

Period 3 – Ride in progress – passenger on board

While Uber and Lyft provide generous insurance protection during Periods 2 and 3, the amount of coverage they provide is minimal during Period 1. During this period, a driver is provided with only $50,000 in liability coverage with no property damage, medical payments, or uninsured motorist coverage. That means if you get in an accident with an underinsured or hit and run driver during this period, you would have no coverage to get your car repaired or pay medical bills. With almost half the drivers on Tennessee roads underinsured or uninsured, this puts you at a huge risk.

What is Rideshare Gap Coverage?


Rideshare gap coverage fills in the coverage gaps during Period 1. It brings the minimal coverage offered by Uber and Lyft up to the coverage limits on your personal car insurance policy. Rideshare coverage fills in missing coverage for physical damage, medical payments, and uninsured motorist coverage to provide you with full protection during Period 1.

Is Rideshare Gap Coverage Worth It?

In short, yes! Rideshare gap coverage is inexpensive and can give you the peace of mind that you are always well covered on the road.


For more information about rideshare gap coverage for Uber, Lyft, UberEATs, and other transportation network drivers, give us a call at 615-919-1009 or visit our website today for a free, no-obligation quote.

Why Is My Car Insurance So Expensive? – Seven Tips to Lower Your Premiums

Cheap Auto Insurance TN

Car insurance is one of those necessary evils. It seems like every time you turn around, your rate is creeping up. However, there are a few things you can do to lower your rate or decrease the chance of your premiums increasing over time.

      1.       Call Your Agent – If you rate is increasing every year, it might be time to shop around. If you are working with an independent agent, they should easily be able to quote you with several other carriers with just a few clicks. Even if you save $15-20 a month, that is around $200 a year. That is a nice little savings in your pocket for one phone call or email!

 2.       Check Your Insurance Rate Before You Buy a New Car – If you are shopping for cars, call your insurance agent with the VIN number of the cars you are considering. Certain makes and models are much more expensive to insure due to repair costs and replacement parts. It might help pare down your choices and save you money in the long run.

 3.       Use an App that Tracks Your Driving Habits – Many carriers have recently come out with cell phone apps that track your driving and give you large discounts for adopting safer habits. These apps run in the background and start automatically when you are in a moving vehicle so you don’t even notice them. Most companies won’t penalize you if you are not the safest driver. You usually get a small discount for simply letting the app run on your phone.

 4.       Stay Ticket and Accident Free – One thing that really will increase your rate is a ticket or at-fault accident on your record. These will usually follow you for three years before your rate will go back down. Slow down and stay aware to keep saving money every month.

 5.       Reduce Coverage on Older Vehicles – If you have an older car that is only worth a few thousand dollars or less, you might think about switching to a liability only policy. As long as you have the money to replace or repair the vehicle if something happens, this might be a good option to lower your monthly expenses.

 6.       Raise Your Deductibles – The higher the deductible, the lower the rate. If you have the money saved should a covered claim occur, raising your deductible could dramatically lower your car insurance rates.

 7.       Make Sure You are Getting All the Discounts You Deserve – Every insurance company has their own list of discounts, so there might be some that you are missing. Check with your agent to make sure you are getting every discount you qualify for with your carrier. Some common discounts are:

          Safe Driver Discount

          Good Student Discount

          Multiple Policy Discount (i.e. Car & Home, Car & Renters, etc.)

          Multiple Vehicle Discount

          Defensive Driving Course Discount

          Drivers Ed Discount

          Good Credit Discount

          Anti-Theft Device Discount

          Occupation Discount (Teacher, Military, Etc.)

          Low Annual Mileage Discount

While the price is not only the only factor you should consider when choosing your car insurance, it certainly helps to have a few more dollars in your pocket every month by following a few easy steps.

If you have questions about car insurance or you would like a no-obligation comparative quote, give us a call at 615-919-1009 or click the button below. We look forward to serving you!