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Lyft, On-Demand, Uber

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


Lyft, On-Demand, Uber

On-demand service companies like Uber, Lyft and Instacart promote themselves as employers that provide flexible schedules by letting employees choose when and where they want to work. This can enable them to set schedules after work, class, during a commute, etc. to make extra money.

Uber recruit’s employees based on the claim, “You can drive with Uber anytime, day or night, 365 days a year. When you drive is always up to you, so it never interferes with the important things in your life.”

Unfortunately, Uber drivers on dumpling have explained the realities of on-demand driving, which is that drivers experience anything but free schedules. One Uber driver in San Francisco, CA wrote,

“I only ever drive if I’m on my way somewhere, so I use the destination feature. It consistently takes me out of my way or the opposite direction and makes my trip way longer. If it’s not on the way don’t give me the ride.”

Instacart, an on-demand service where employees shop for and deliver groceries to customers, promotes that employees can “schedule work around your own life.” However, some locations take the driver miles outside of their preferred driving locations. An Instacart employee from San Francisco stated,

“you must work a minimum amount of 40 hours to get the areas that you want the most.”

Another issue that prevents flexible schedules at on-demand jobs is surge pricing, which changes according to supply and demand from customers. Driving outside of surge times can lead to wasting gas on dead hours, when there are no customers. This means that in order to turn a profit, on-demand employees must follow the demand of surge times that occur infrequently and not during their desired work times.

According to CityLab, an online media site, this forces on-demand employees to only work during surge times because fairs at certain times are too low and they have a hard time finding customers.

Has your experience working for on-demand service jobs allowed you more flexibility with work scheduling? Share and post your opinions at dumpling: