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Uber and Lyft Car Insurance

Are you a driver for Uber or Lyft in Maryland?

Get Progressive® Rideshare Insurance for Uber and Lyft drivers in Maryland

For every rideshare driver, whether you are employed by Lyft or Uber, it is essential to have the right type of coverage to keep you protected while you work. Our experienced team at Maif Insurance Online can explain your insurance options and help you choose the right type of coverage for your needs.

What is Ride Share Insurance?

Rideshare insurance is a specific type of coverage that is available to rideshare drivers, such as Lyft and Uber drivers. Rideshare coverage is designed to address the gap in coverage between your ridesharing company’s policy and your personal auto insurance.

Ridesharing insurance allows the driver to pick the type of coverage that best suits their needs. It can also save you time and money in the long run. Without rideshare insurance, you may be liable to cover the cost of damages in the event of an accident.

Why Do I Need Rideshare Coverage?

In all cases, auto insurance is required for all Maryland drivers. Uber and Lyft offer basic packages to keep you covered while you drive, but the package most rideshare companies offer is not comprehensive; this means you are not technically covered during all phases on your driving experience.

Traditionally, a rideshare trip is categorized into three stages. In most situations, the basic rideshare coverage will only include coverage for stage 2 and stage 3.

  • Stage 1: Rideshare driver is signed in and anticipating a ride request
  • Stage 2: Rideshare driver accepts ride request is en route to picking up their customer
  • Stage 3: Rideshare driver is now driving their customer to their designated destination

It is important to note that rideshare insurance is in addition to the coverage offered by your rideshare company. While the coverage supplied by your rideshare company keeps you protected during stage 2 and stage 3, it leaves you vulnerable during stage 1.

More specifically, if you are in stage 1 and you experience an accident, your basic rideshare insurance will more than likely not cover your expenses. During stage 1, any damages to your vehicle may be excluded under your ridesharing company’s policy.

What is the Gap Coverage for Uber and Lyft Drivers?

Rideshare insurance is designed to bridge the gap in coverage. Rideshare insurance is an add-on to your existing policy. It aims to narrow the gap of liability between stage 1 and stage 2. This is often one of the most affordable options for rideshare drivers.

Who Needs Rideshare Insurance?

All rideshare drivers can benefit from rideshare insurance. It helps keep you, passengers, and other drivers safe in the event of an accident.  Our team at MAIF Insurance Online can review your options and find the best coverage for your needs. In most cases, it’s better to obtain the coverage you need before you experience difficulties.

Rideshare insurance can protect you and your riders even when your individual car insurance and the ride-sharing company’s policy don’t offer complete coverage.

We Offer Rideshare Insurance For Uber and Lyft Drivers Through Progressive

We proudly offer premium rideshare insurance through Progressive for Uber and Lyft drivers.  With progressive, you can save money and receive discounts for prior coverage, paperless delivery, and electronic fund transfers.

If you would like to explore your rideshare insurance options, contact our team at MAIF Insurance Online. We can work with you to get you the coverage you need.

To learn more about your rideshare insurance options through Progressive, call 301.476.4887 or contact us online.