I want to know if i am at risk with my car insurance if i were to do uber or lyft? help!!?

  • by Jesus
  • Jun 03,2017
  • 12 answers

so i had placed a call to my car insurance stating that i needed proof of insurance to apply for lyft. Then a week later i get a questionnaire from geico (my insurance) to answer questions if i use one of the
vehicle on my policy for commercial use. i can obviously lie and drive. or tell them i am going to start and get dropped. i want to keep my policy with them because its a great rate. so what if i were to give a few rides lyft and then decide i want to stop because i want to keep my policy will my policy be null or void? is there anyway for them to find out if i were start giving rides? should i cancel the policy if i were to start? I dont want to be in a situation where if i gave rides and stopped got in an accident a month later and get my claim denied. and basically pay them for nothing! thanks guys


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Insurance Answers (12)

EINSURANCE 5 months ago

It is not worth it. All your activities through them have been recorded. Even you may think that you drive safely, make some money and still get the low rate auto insurance policy when you want to quit the Uber or Lyft service. You left evidence in Uber or Lyft. What if you have accidents afterwards and Geico finds out you lie to them. They won't cover you, not mention that they might sue you. Then, the money you make from Uber or Lyft will barely pay for that.
So, if you want to drive Uber or Lyft, buy a commercial vehicle to make sure you are safe on the road and then make the money. Hope it helps.

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Casey Y 5 months ago

1. They already know you are planning to do this. All calls are recorded.
2. If you lie and have an accident while driving and associated with a ridesharing service, they will deny the claim.
3. If they can prove that you had used your vehicle for a commercial purpose and you had a claim unrelated to commercial operations, they could still potentially deny the claim.
Here is your fear, when they deny a claim, that means you are responsible for paying anything for which you become liable. You also have to pay to defend yourself.

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RAT M 5 months ago

Prepare to be sued and pay 4 the rest of your life . Its NOT worth it .

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STEPHEN 5 months ago

The moment you head towards picking up a paying passenger (before they're even in your car) you are using your car for "hire and reward" and your normal insurance is voided.
Sure you can lie, but have any kind of accident with a fare paying passenger in the vehicle and you're sunk.
All these companies require that you display a license in your window.
The call to your insurance company about proof of insurance for Lyft has already alerted them so they will investigate any claim you submit.

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Lord of the Multiverse 5 months ago

The minute you sign up as a driver, you need commercial insurance.
If the insurance company discovers that you are a commercial driver, then you lose the insurance, and you lose whatever you paid for the insurance. If you do not have proper insurance and work for Uber/Lyft and get into any type of accident, any claim will be legitimately denied - a passenger in your vehicle will be directed to sue you directly if there are any injuries.
If you change your mind, and decide you want out of the taxi business, then you will have to re-apply for insurance.

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Rick 5 months ago

You must pay as a commercial vehicle
If you do not and have an accident with a paying passenger in the car the insurance company will not pay and may even sue you for fraud

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Evan H 5 months ago

The answer is no, this is not for commercial usage. You have to have regular auto insurance, you cant drive without it, but that will not cover you when you are using your car for uber. You need a secondary policy to cover you when your driving for them. Just call your insurance company and explain the situation, the agent will know exactly what you need. Commercial insurance is only if that car is only used for business reasons.

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H. Marie 5 months ago

if you have a personal coverage on your car you cannot use the car for business, you will need to get additional insurance to be completely covered if you drine either of them

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WRG 5 months ago

Your insurance doesn't cover you for commercial use.

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pmt853 5 months ago

If you lie then you have a very high chance of being found out in which case your insurance will be void and you will be liable for any damage or injuries ans may be prosecuted for fraud. If you tell the truth then your premium will almost certainly increase but you will be insured. Do the right thing.

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Gary B 5 months ago

EVEN ONE ride copunts, and your insurance will be dropped.
To drive for Uber or Lyft, you need COMMERCIAL, not privcate, insurance. For example, what iof someone gets sick in your car, and dies while you drive them to the hospital? YOU ARE ERESPONSIBLE, and your insurance company will ay. But that kind of problem is NOT covered under PRIVATE insurance! to you hev NO insurnace.
Comemrcial insurnace is VERY expensive.
If you LIE, and drive anyway, and something happens (it CAN happen on the firstride, ya know.....) your private policy won;t cover it, and you WILL be sued by the client who booked the ride.
DO NOT F*CK AROUND WITH TEH INSURWNCE!

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mbrcatz 5 months ago

personal auto policies flat out don't cover you, when you're using the car to drive others somewhere, for a fee. Even if you lie, they still won't cover you while you're driving for uber and lyft - sometimes not even while you're driving without a passenger, but while the ap is turned on.
So . . . yes, they do have a way to find out if you're an Uber or Lyft driver. If you lie, and they cross reference, they can drop you for lying. And if you don't lie, they will most likely still drop you.

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