Does auto insurance cover me if I drive for a ride-share service?

It's important to review limitations outlined in your personal auto policy before signing up as a ride-share driver. 

Ride-share companies offer limited insurance protection for drivers.  Ask for written coverage specifics on the varying levels of insurance provided by the ride-share company.  There is typically no coverage for the driver in Period 0, when the ride-share app is turned off.  Period 1, when the app is on and the driver is waiting for a request, may have low liability limits (50/100/50).  Ride-share services usually provide broad coverage in Periods 2 and 3, often $1 million per accident plus comprehensive and collision.  Period 2 begins when the driver accepts a ride request and travels to the pick-up location.  Delivering the passenger to the destination initiates Period 3.  Confirm Period 2 and 3 physical damage deductibles.  You may have to pay $1,000 - $2,500 out-of-pocket for repairs.

Some private passenger auto insurers offer a policy add-on that maintains coverage when the rideshare app is off (Period 0); supplements liability and provides physical damage coverage according to poilcy limits during Period 1; and supplements physical damage coverage during Periods 2 and 3.  Cost and coverage specifics vary by insurance company.  Contact your local auto insurance agent for details about this optional endorsement.