The short answer
Personal auto policies exclude 'livery' and rideshare while the app is on. Uber and Lyft provide contingent coverage in three periods: app off (personal), app on waiting for ride (limited $50k/$100k liability), and en-route or passenger (full $1M liability + comp/collision with high deductible). Fill the app-on gap with a $10–$25/month rideshare endorsement.
Frequently asked
- What if I don't tell my insurer?
- Claim denial and policy cancellation. Undisclosed rideshare is a common denial reason.
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