Ride-sharing services such as Uber and Lyft can be a quick way to make extra money or get around town. However, if you provide or use these services, your insurance coverage and protection may be impacted.

Am I covered as a ride-share driver?

• The standard personal auto policy excludes “public or livery conveyance,” so you won’t have Rockingham Insurance coverage if you are operating as an Uber or Lyft Driver. Contact your local agent to understand what type of coverage is needed and get the proper policy.
• In Virginia, Rockingham now offers a Transportation Network Company (TNC) endorsement which must be added to your policy if you are driving for Uber or Lyft. Your local agent can explain the benefits provided by this endorsement.

Am I covered as a ride-share passenger?

• If you catch a ride from an Uber or Lyft provider, be cautious. In most jurisdictions, they are not regulated to the same degree as standard livery services, such as taxi cabs and limo services.
• If your ride provider doesn’t have the proper coverage and is in an accident, your insurance policy may come into play under the Uninsured or Underinsured Motorist Coverage.

Your local agent is here to help you navigate your coverage options. Speak to your local agent today to determine if you have the right coverage.