If you are unsure whether auto insurance applies after a rideshare accident, you are not alone. Many drivers are confused about how coverage works during rideshare trips, especially since most people do not look into the details until an accident occurs.<\/p>\n
Paragon Independent Insurance Agency in Plano, TX is here to help you understand how rideshare insurance works and what coverage may apply.<\/p>\n
Drivers who work as independent contractors for rideshare companies must notify their auto insurance provider about their rideshare activities. Personal auto insurance policies often have exclusions for commercial use, which means failing to disclose rideshare work could result in denied claims.<\/p>\n
Coverage and liability depend on the specific period of rideshare driving, which is based on the driver’s status in the rideshare app.<\/p>\n
App off:<\/strong> When the rideshare app is off, the driver is not considered to be working. Only the personal auto insurance policy applies. However, some insurers may still exclude coverage if they learn the driver was using the vehicle for rideshare work without proper coverage.<\/p>\n App on, no passenger:<\/strong> When the app is on, and the driver is waiting for a ride request, the rideshare company may provide limited liability coverage. This coverage varies by company and may not include collision or comprehensive protection.<\/p>\n App on, passenger on board or en route to pickup:<\/strong> Once the driver accepts a ride request or is transporting a passenger, the rideshare company’s commercial insurance policy is typically in effect. This coverage is generally more extensive and may include liability, collision, and comprehensive protection.<\/p>\n If you are considering updating your auto insurance or adding rideshare coverage, contact our team in Plano, TX. Call 972-473-4813 to speak with an agent and learn more about your options.<\/p>\n","protected":false},"excerpt":{"rendered":" If you are unsure whether auto insurance applies after a rideshare accident, you are not alone. Many drivers are confused about how coverage works during rideshare trips, especially since most people do not look into the details until an accident occurs. Paragon Independent Insurance Agency in Plano, TX is here to help you understand how […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[13,10,178,88,89],"class_list":["post-671","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance-2","tag-paragon-independent-insurance-agency","tag-plano","tag-tx"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\tGet a Quote From Paragon Independent Insurance Agency<\/h2>\n