Rideshare Insurance
Rideshare and TNC driver insurance addresses the gaps left when a personal auto policy excludes driving for a transportation network company. California rideshare exposure typically breaks into three periods: app-off, app-on and waiting, and en route or carrying a passenger. A rideshare endorsement or commercial coverage may help close the gaps, especially in the app-on-waiting window.
Driving for a transportation network company changes your insurance picture in ways that are easy to miss. Your personal auto policy typically excludes driving for a TNC, which can leave gaps during the very hours you are working. We help California rideshare drivers understand where those gaps fall and how coverage may help close them.
Rideshare Insurance Requirements
Rideshare exposure is usually broken into three periods:
- App-off: personal use, covered by your regular personal auto policy.
- App-on and waiting for a request: often the thinnest coverage window, where gaps most commonly appear.
- En route or carrying a passenger: typically where the platform provides the most coverage.
A rideshare endorsement on your personal auto policy may extend coverage into TNC use, or commercial auto coverage may fit better if your driving looks more like a business than occasional trips.
Other Things to Know About Ridesharing Insurance
California regulates TNCs through the California Public Utilities Commission (CPUC), and the platforms operate under those rules. Even so, the coverage a platform provides may not match what your personal policy would. We walk you through the three periods, show where your current policy may leave you exposed, and help you look at whether an endorsement or commercial coverage fits how much you drive.
