Looking for Uber or Lyft driver insurance? Metroland Agency has OPTIONS for you.
If you’re an Uber or Lyft driver in New York, having the proper car insurance is extremely important! Our team will help you review your options so you can secure the correct type of policy at the best possible price!
How do I become a rideshare driver?
You can apply online to both Uber – www.uber.com or Lyft – www.lyft.com if available in your area.
Are there requirements to drive for a rideshare company?
Yes. Both Uber and Lyft require a person to be 21 years of age or older and possess a valid driver’s license with at least 3 years of driving experience if you are under 23 years of age. You must undergo a DMV check along with a National and County criminal background check, which requires you to have a valid social security number.
Are there vehicle requirements?
Yes. UberX requires a vehicle that is 10 years old or newer. Must have 4 doors (no jump doors), must sit four passengers (excluding you, the driver), and have seat belts available for all passengers. UberX is not the only vehicle level, it is the most requested but there are other levels that may be available to drive under. You can visit uber.com to find out more. You can also visit Lyft.com to find out their requirements, if available in your area.
Does my personal auto plan cover my vehicle if involved in an accident while participating in a rideshare program?
The answer is NO. A personal auto policy covers your personal auto, which is used for personal reasons. Such as pleasure use or commuting back and forth to work. Personal auto policies exclude vehicles used as a public or livery conveyance for passengers and this is stated right in your personal auto policy.
Do I really need a rideshare policy? Or a rideshare endorsement (if offered through your carrier)?
Without a rideshare policy, you could find yourself being canceled and claim coverage denied by your auto insurance company if they find out you are using your personal auto for Uber or Lyft, leaving you with no insurance.
Not only could you find yourself being dropped from your auto insurance company but you could be stuck paying out of pocket for 100% of the repairs. If there is a liability claim the coverage through the rideshare company is limited. You could find yourself in a lawsuit without any legal help, or, help in paying the amount you are being sued for.
Metroland Agency offers free, comparative quotes on Rideshare Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.