Coverage explained
Rideshare and delivery insurance in Florida
Personal car policies usually exclude driving for Uber, Lyft or delivery apps. A rideshare endorsement covers the gap when the app is on and you haven’t accepted a ride yet, which is when the app company’s coverage is lowest.
What it pays for
- Your coverage while the app is on and you are waiting for a request
- Collision and comprehensive gaps the app’s policy leaves
What it doesn’t
- Commercial livery or full-time delivery fleets
A real-life example
You turn on the delivery app and, while waiting for an order, rear-end someone. Your personal policy may exclude the claim because the app was on, and the app’s coverage is at its lowest before you accept an order. A rideshare endorsement on your policy fills that gap.
Illustrative numbers. What a claim pays depends on your policy wording, limits and deductible.
The Florida rule
Florida sets the coverage the app companies must carry while the app is on and during rides. Your own insurer must be told you drive for an app.
What most drivers pick
Anyone who drives for an app, even a few hours a week. Not telling your insurer can mean a denied claim.
What it does to the price
The endorsement is usually a small add-on next to the risk it removes.
Questions
Is delivery driving covered by my personal policy?
Usually not. Ask David to add the endorsement.
Go deeper
Other coverage
- Personal injury protection
- Property damage liability
- Bodily injury liability
- Uninsured motorist
- Collision
- Comprehensive
- Full coverage
- Gap and loan or lease payoff
- Rental and roadside
- SR-22
- FR-44
- Non-owner car insurance
Your policy’s wording decides what’s covered. David can walk you through yours.