[MikeAW2010]

I’m hearing a lot of insurance providers in Texas do not cover Uber / Lyft. I do know that while you have a passenger, Uber covers you but with a $2,500 deductible (may as well be uninsured with that…) … who should I look into for coverage?

 

[Atavar]

Progressive. They only charge me $5 for the rideshare rider.

 

[MikeAW2010]

Progressive. They only charge me $5 for the rideshare rider.

Thanks. I’m using GEICO right now and I told them I do rideshare and they told me they would cover it. I asked about it later and they told me I would need a business account. I then talked to their business department and they told me they do not cover rideshare in Texas.

I have another question, with Progressive, how does it work? If let’s say:

You get in an accident while you’re idle but online … (no pickup queued)

You get in an accident while enroute to pick up a rider..

You get in an accident while with the rider?

Are all circumstances covered?

 

[Effy143]

I also have progressive, and to be frank, I have no idea. However, I do believe it’s in all circumstances. I mean what is progressive gonna do? Ask you for your waybill to see if you were en route, with the passenger, or in airport pickup? I haven’t looked at the fine print but the way I see it, progressive has a way out of paying out by saying you were doing rideshare activities which is technically a commercial activity, and the rideshare coverage eliminates this out for them, at a cost to you of course. If someone has some fine print I’m curious to see what it says. I’ve tried to go through other providers but they said I could only cover rideshare if I had commercial insurance which is ridiculous. I used to be a truck driver and let me tell you that commercial insurance can be thousands of dollars per month. I’m curious how lucrative the Dallas market must be, because from what I’ve heard those drivers need commercial insurance to pickup at the airport and how much money could they be making to actually pay commercial insurance.

 

[Frontier Guy]

Allstate, it might have changed, but it was $50/yr for rideshare endorsement. Car insurance.com has a list of companies

 

[MikeAW2010]

I checked with Allstate and initially the rate was very comparable with GEICO at about )100 per month… …Then as I went to check out it notified me of 3 comprehensive claims within the last 5 years .. Two happened on the same day due to a hail storm that pounded in both of my cars. I’m not even sure what the third one is. My other car was recently rear-ended but I filed through the at-fault parties insurer and not my own… would that end up there too?

either way Allstate bumped the quote to over $400 a month! :O

 

[Frontier Guy]

Never buy insurance online, call an agent, they can typically find discounts. State Farm online quoted me $1,480/6 online, the agency that called me redid the quote and knocked it to $1,180/6, still higher than what I pay with Allstate

 

[bobby747]

they will all try not to pay. only real insurance that works the right way , is a comm. policy...$3500-$5000 no real such thing as ride share..its still a taxi..call it rideshare everyone sleeps better..

GIRLFRIENDS PARENTS , ASK what does your b.f do---------ohhhhhh Private Driver---Rideshare----or he is a TAxi driver,,,,boy you really sound like a weiner

 

[gomo]

Progressive. They only charge me $5 for the rideshare rider.

the insurance company you use

 

[Ziggy]

I had USAA with RideShare addendum ... but switched back to commercial Limo policy after the Covid lockdown was lifted.
USAA with RideShare addendum = $147/mo
Progressive Limo insurance = $580/mo