Making it easy for Rideshare Drivers to have seamless coverage
Farmers Rideshare is currently available in the following states:
We also offer Rideshare coverage in California exclusively through Farmers agents.
Generally, your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a rideshare driver with companies like Uber. And, rideshare companies' full commercial liability coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in and waiting to be matched with your next rider.
What gap? Doesn’t the rideshare company’s insurance policy cover me when I’m working?
When you log in to the rideshare company’s app, you may only be covered by the rideshare company’s limited liability coverage until you accept a ride and their full commercial liability coverage applies. While you are waiting to be matched with your next rider, their policy generally only provides limited liability coverage* for medical expenses and damage you cause to others if an accident is your fault. Damage to you or your car are not typically covered by this policy. You could be faced with a serious coverage gap that would require you to pay for damages out of your own pocket.
Doesn’t my personal auto insurance policy cover me?
Probably not. Many personal auto insurance providers exclude coverage when you are using your vehicle as a rideshare driver.
What does Farmers Rideshare cover?
Farmers Rideshare extends your personal auto insurance coverage through Period 1 until you accept a ride and the rideshare company’s full commercial liability coverage applies in Periods 2 & 3. This policy enables you to select the coverage that fits your needs, including:
- Comprehensive and collision coverages that pay for damages to your car
- Uninsured motorist coverage, in case you are hit by a driver who isn’t insured or is underinsured
- Medical payment and personal injury protection (if required)
Farmers Rideshare coverage ends when you accept a ride. The rideshare company’s full commercial liability coverage applies until that ride exits your car. Farmers Rideshare once again applies until you accept your next ride.
Talk to Farmers
To learn more about Farmers Rideshare, talk to a Farmers agent today. An agent will make it easy for you to customize a policy that provides you with the coverage you want.
**Subject to availability in your state. Rideshare companies may maintain higher coverage limits and additional coverages as needed to meet the minimum requirements in all states. Minimum limits vary by state. In California for example, the limits are $50k bodily injury for one injured individual; $100k total bodily injury coverage limit; $30k property damage to someone else’s property per incident.
1 Our Rideshare coverage in Florida is available under the Foremost® brand, a member of the Farmers Insurance Group. "Foremost" and the "F" logo are registered trademarks of FCOA, LLC, 5600 Beech Tree Lane, Caledonia, MI 49316. Bristol West Insurance Group is a registered trademark of Bristol West Holdings, Inc., 900 South Pine Island Road, Suite 600 Plantation, FL 33324. Insurance underwritten by a member of the Bristol West Insurance Group. The Foremost and Bristol West companies are members of the Farmers Insurance Group®, 6301 Owensmouth Ave., Woodland Hills, CA 91367.