Do on-demand companies cover drivers for accidents?
On-demand ride-sharing companies like Uber and Lyft recruit drivers with guarantees about covering them with car insurance. This allows the driver the option of using their own car to transport customers during their shifts, which can range from a few times a week to everyday and may add up to hundreds of miles.
These policies are an effort to provide incentives for these on-demand drivers to use their own cars more frequently without worrying about the additional risk that comes along with being on the road significantly more.
The Lyft insurance policy that is advertised on the driver section of the Lyft website states:
“Lyft provides additional insurance policies, at no cost to the driver. We worked with leading insurance carriers to provide various coverages including: commercial auto liability insurance up to $1M per occurrence, contingent collision insurance for drivers who carry collision coverage on their personal auto policy, and coverage for bodily injury caused by uninsured/underinsured motorists when you are engaged in a ride.”
However, some Lyft drivers believe the insurance guarantees are unclear and unfair, which causes some drivers to shoulder the costs of accidents and vehicle maintenance. According to this San Francisco Lyft driver,
“I got my car dented while working on the job and thought that my car was insured by Lyft but they now say we are only insured if it is a passenger that does the damage not a third party.”
Does your on-demand job have clear insurance policies? Share your experiences and insights with us at https://dumpling.us/.