{"id":4448,"date":"2021-03-24T11:14:14","date_gmt":"2021-03-24T15:14:14","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=4448"},"modified":"2024-09-09T16:07:27","modified_gmt":"2024-09-09T20:07:27","slug":"rideshare-insurance-for-uber-or-lyft-drivers-in-nj","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/ride-share","title":{"rendered":"New Jersey Rideshare insurance for Uber & Lyft drivers"},"content":{"rendered":"\n

Plymouth Rock in New Jersey has rideshare insurance for Uber or Lyft drivers that can help you better protect yourself while participating in the sharing economy (it covers many other rideshare companies, too!).<\/p>\n\n\n\n

Yes, rideshare companies provide some insurance, but you may not always be fully covered by these policies. And, generally speaking, personal auto policies across the industry will not cover any rideshare driving activity.<\/p>\n\n\n\n

What does that mean for you? Gaps in coverage could lead you to pay out of pocket for damage to your car or medical expenses. Plymouth Rock\u2019s rideshare endorsement for part-time drivers can help you avoid some of those potential coverage gaps.<\/p>\n\n\n\n

\"Ride<\/figure>\n\n\n\n

Ready to talk? So are we! Call 800-516-9242<\/a> or talk to\u00a0your local agent<\/a> to get covered for rideshare driving today.<\/p>\n\n\n\n

Typical rideshare-provided insurance<\/h2>\n\n\n\n

To start, there are three periods of rideshare driving:<\/p>\n\n\n\n

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  1. You\u2019re ready to work. You log into the rideshare app and are waiting for a ride request.<\/li>\n\n\n\n
  2. Finally. You\u2019re matched with a passenger and are on your way to pick them up.<\/li>\n\n\n\n
  3. You\u2019ve arrived. You\u2019re passenger gets in and you\u2019re off to their destination.<\/li>\n<\/ol>\n\n\n\n

    Rideshare companies (which are technically called \u201ctransportation network companies\u201d or TNCs) provide low-limit coverage during period 1. During this time, TNC policies generally do not offer coverage for damage to your car and only low-limit coverage for injuries to others or damage to others\u2019 property.<\/p>\n\n\n\n

    TNCs provide commercial policies for drivers during period 2 and 3. During these periods, a typical TNC policy only provides drivers with low-limit coverage for their own injuries, and potentially higher collision<\/a> and comprehensive<\/a> deductibles than drivers carry on their personal auto policy.<\/p>\n\n\n\n

    Plymouth Rock\u2019s rideshare insurance<\/h2>\n\n\n\n

    Plymouth Rock\u2019s coverage allows rideshare drivers to fill some potential insurance gaps. You have your choice of two options:<\/p>\n\n\n\n