Being Covered for Ride Sharing

Did you know that if you participate in ride sharing such as Uber or Lyft you may not be covered for liability and/or physical damage losses under your current personal auto insurance? Furthermore, if your current personal auto insurance carrier finds out you ride share for Uber and/or Lyft, they might non-renew your policy.

Although ride sharing companies like Uber and Lyft provide liability coverage when you have a passenger in the car, Uber and/or Lyft do not provide for any physical damage coverage and very limited liability coverage for when you are driving around waiting for a fare or driving on your way to a fare; thus, creating potential gaps in coverage.

However, one of our carriers will now help fill potential coverage gaps by providing you with physical damage and liability coverage under your personal auto policy up to your policy limits while you are waiting for a fare or driving towards a fare.

It is important to note that the above only applies to individuals who use their vehicle for ride sharing purposes and not for full service limo or livery companies. If you are a full service livery or limo company, don’t worry we have you covered because, after all:

“We speak Insurance, so you don’t have to”


To learn more about ride sharing or livery insurance, please contact
one of our licensed agents at 203.235.1025 today!



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The safety and well-being of our customers and agents is our top priority as we are actively monitoring the emergence of COVID-19. Following the guidance from the CDC, we are taking appropriate precautions to maintain a safe environment and continue to provide service to our customers. The physical offices will be closed until further notice but agents are reachable to assist with any of your insurance needs. You can contact the main line at 203-235-1025. Please understand that call back times will be longer than usual.