Get Your Free Miami Rideshare Insurance Quote
Rideshare coverage has three phases: waiting for a request, en route to a passenger, and during the ride. The platform's protection is thinnest in phase one, which is exactly where a rideshare policy or endorsement fills in. We explain where your gaps are.
Adding rideshare coverage is usually inexpensive compared to the risk of a denied claim or a canceled personal policy. We compare Miami carriers that offer rideshare endorsements and stand-alone options so you keep full protection affordably.
We serve clients throughout Miami and Miami-Dade County, for drivers across the metro area.
What Does Rideshare Insurance Cover?
- Period 1 Liability Gap — Bodily injury and property damage when the app is on but no ride has been accepted — the gap between personal auto and TNC platform coverage.
- Physical Damage While App-On — Collision and comprehensive on your vehicle during all three TNC periods, not just when a passenger is in the car.
- Personal Auto Compatibility — Written as a TNC endorsement or hybrid policy so your personal auto coverage stays intact and your insurer is aware of rideshare use.
- Deductible Reimbursement — Reimburses the deductible owed under Uber’s or Lyft’s platform comp/collision when an at-fault loss occurs in Periods 2 or 3.