In many states, insurance is still a stumbling block. If you are a ridesharing driver in certain states, you no longer have anything to hide from your insurer and are able to find at least one car insurance company that will cover you with full knowledge of your driving activities. In states like Nevada, however, drivers are still waiting for coverage, as the state’s legislators continue to debate regulations that would legalize ridesharing. The principal concern is the gray zone when drivers are in between passengers.
For example, Uber’s insurance policy will pay for injuries to others but will not cover injuries to the driver. Additionally, a driver’s personal insurance coverage, which may or may not have medical benefits, would not apply during this period. If the driver were to file a claim and the insurer discovered he was ridesharing, the insurance company could deny the claim and cancel the policy midterm. However, once a driver picks up a passenger on Uber, they can benefit from $1 million in coverage provided by the company including medical benefits. Lyft offers similar coverage as soon as drivers accept a ride request. It is still not clear whether new hybrid policies would provide better medical protections to drivers.
