Rideshare Endorsement

Our Rideshare Endorsement Fills The Gap!

Do you drive for Uber, Lyft or Sidecar? Or do you know someone who does? Starting July 1, 2015, rideshare drivers are legally required to be covered from the moment they turn on their apps. But, there’s a gap that has existed–where they have not been covered…..until now. Farmers is the first major carrier in California to offer a Rideshare Endorsement for drivers who need insurance when the app is on and the driver is seeking riders. Rideshare companies typically provide some level of insurance coverage during the time a driver has accepted a trip from the app until the driver has dropped the passenger off. And, the driver’s auto insurance covers the driver’s personal use of the car. Neither policy covers this gap.

Coverage To Fill This Gap

Farmers Rideshare Endorsement extends the coverage to include comprehensive and collision while seeking riders. This includes the minimum liability limits of 50/100/30.

Rideshare Company Policies Are Limited

Drivers should check their auto policies and the coverage their Rideshare company provides for limitations to the insurance provided. These can include:

While customers will be covered through the Rideshare company’s Commercial policy, it provides no Comprehensive or Collision coverage.
When the Driver has received a ride request and is on the way to pick up the passenger, the Rideshare company covers for 1 million liability only–with no other coverage.
During the time between the pickup and drop off of the passenger, the Rideshare company covers for 1 million liability only–with no other coverage.

Let Us Help You Fill Your Policy Gaps

Whether it’s to learn more about our Rideshare Endorsement or to answer your questions about what’s lacking in your current insurance coverage, please contact us or call 650-876-9600. Download our Rideshare Endorsement flyer. Download Link

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Additional Coverage For Renters & Homeowners

Be sure to check out these other insurance options:

Expanded Coverage With Umbrella Coverage

Or, be sure to read about Umbrella Coverage. With a Personal Umbrella policy, you'll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.

Discounts & Savings

You can get discounts for improvements to your home; car and home insurance policyholders can save on both policies with built-in discounts for bundling insurance; and non-smokers can get home insurance discount, too. Contact us to learn more.

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