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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
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Rideshare apps like Uber and Lyft allow a user to call a car that takes them to a specified destination with a few simple clicks. Thanks to this convenience, ride sharing apps are an increasingly popular way for Americans to get from point A to point B. Thirty-six percent of U.S. adults have used a ride-hailing service, according to a Pew Research Center survey.
You may wonder: Is Uber safe? Is Lyft safe? Uber and Lyft are statistically safe services — and may be a wise alternative to driving. Calling a rideshare instead of driving when you’ve had a few drinks, for instance, is likely a wise choice. But before setting out on your Uber or Lyft trip, you may want to make sure you’re aware of the potential risks and have a game plan for dealing with any issues that may arise.
The vast majority of ride share trips — 99.9% of Uber, and more than 99% of Lyft trips — are completed without a critical safety issue reported. The tips below are meant to help both riders and drivers stay as safe as possible throughout the ridesharing experience.
When thinking about safety — don’t forget about car insurance. Having the best car insurance available could help you prepare before hitting the road. And if you are a driver for a ridesharing service, you’ll need to ensure that you have the proper rideshare insurance to protect your finances.
Most personal car insurance policies do not cover you when you’re using your vehicle for business purposes. Uber and Lyft offer commercial insurance, but this coverage does not extend through the entire rideshare trip. For this reason, the commercial insurance provided through your rideshare employer may not be enough protection to give you peace of mind.
Lyft and Uber ride sharing services offer coverage only during specified times. Coverage windows are split up as follows:
Rideshare insurance is a special type of car insurance that fills the coverage gap between the commercial policy provided by your rideshare employer and the coverage provided through your personal car insurance policy. Your liability insurance typically won’t be valid during the “app on” period of rideshare driving. During this time, your rideshare insurance can step in to cover certain damages.
If you fail to notify your car insurance provider that you drive for Uber or Lyft and neglect to purchase rideshare coverage, your insurer may choose to cancel or non-renew your policy.
If you’re unsure whether you need rideshare insurance, ask yourself: Do I receive payment for taking riders from one place to another? If so, you may be financially liable in the event of certain accidents. Your rideshare company may have a collision policy that can pay out to help repair your vehicle, but typically, these policies come with a high deductible.
Rideshare insurance provides coverage for you and your vehicle to fill the gap between what your personal car insurance policy covers and what your employer’s commercial policy covers. The good news is that rideshare insurance is typically fairly cheap — usually between $5 and $20 per month, according to Bankrate data.
Some insurance providers don’t offer rideshare coverage or limit rideshare coverage to a select number of states. You can switch your car insurance to a company that does offer rideshare driving. Or, you could consider a commercial auto policy — but since these policies are designed to cover fleets, they are typically much more expensive than rideshare coverage.
You may want to compare car insurance quotes from a few different companies before deciding where to purchase a policy.
Statistically, rideshare apps are safe. Nearly 100% of Uber trips end without a safety incident. At the same time, staying vigilant is always important. Safety in your rideshare should be a top priority — whether you’re the driver or the rider. Luckily, taking a few simple precautions can help you get to your destination safely. Riders can increase their safety by checking their driver’s license plate and asking them to input your PIN number. Drivers can stay safe by staying vigilant and having the right rideshare insurance.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
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