Your auto insurance through Foresee General Insurance Agency Inc., serving Harrison, AR, works differently if you’re driving for a rideshare company. Here’s what you need to know to make sure you have adequate coverage.

Three Phases of a Rideshare Trip

Coverage is typically explained in phases. With the app turned off, your personal auto policy works as normal. Bump into another car and you make your claim as per usual. Once you click that accept icon on the app, your car is in a phase where the rideshare company’s contingent liability coverage may spring into action. Once a ride request is accepted through completion of the trip, the platform’s commercial coverage will respond. Drivers should be aware of exactly where each phase begins and ends because the rules can vary between phases.

Where a Personal Policy Fits

Personal auto policies commonly contain verbiage that excludes or limits coverage while you’re hauling people across town for money. This means an accident during a rideshare shift could be handled differently than a trip to your local corner shop for a late night goody snack. A rideshare endorsement or a hybrid policy can close that gap and keep the personal and business uses working together.

Steps Drivers Can Take

If you’re planning to do this kind of gig work, tell your agent ahead of time. It’s also beneficial to save the platform’s version of coverage, maintain trip records, and snap photos of the vehicle’s condition periodically. Always file a report with both the agent and the rideshare company as soon as possible if anything happens.

A lot of people are doing rideshare work these days. Be one of the ones who are informed instead of being taken by surprise. Talk to your agent at Foresee General Insurance Agency Inc., serving Harrison, AR, for more information.