Comparing Auto Insurance Coverage of Gig-Drivers' Platforms
VOOM covers you while you're driving for personal use or while your app is open and you're waiting for a passenger.
However, when you're on an active gig trip, your protection relies on the platform's insurance, which varies greatly.
What Rideshare Drivers need to know about your ridershare platform coverages?
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Uninsured/underinsured motorist bodily injury and/or first-party injury insurance
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655daedca4dad1196b4ada1f_uber%20eats%20logo.webp)
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Uninsured/underinsured motorist bodily injury and/or first-party injury insurance
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db256db428c370db6c8e8_image%203.webp)
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability in BI/PD.
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db2d43f7db12f5dec03d8_image%206.webp)
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Not relevant - work is scheduled in advance by "reserving delivery blocks"
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 auto liability coverage, uninsured motorist/under-insured motorist coverage
Contingent comprehensive and collision coverage (passengers are not covered)
Up to $50,000 per incident with with a $1,000 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db417ca24f94d1e9d05f5_image%204.webp)
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 auto liability coverage, uninsured motorist/under-insured motorist coverage
Contingent comprehensive and collision coverage (passengers are not covered)
Up to $50,000 per incident with with a $1,000 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655e517b9e878d4ffcff2c6c_image_5-removebg-preview.webp)
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
Does not provide coverage
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db52d5ebcb0f7d39d3bff_3%402x.webp)
Coverage Period 1
Online and waiting for a passenger
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db5992c634f3e8682b7f2_image%207.webp)
Coverage Period 2 & 3
Driving to / with a passenger
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Uninsured/underinsured motorist bodily injury and/or first-party injury insurance
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655daedca4dad1196b4ada1f_uber%20eats%20logo.webp)
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
State Minimum Liability Coverage
Comprehensive & Collision
3rd party liability if your personal auto insurance doesn’t apply
$50,000 in bodily injury per person
$100,000 in bodily injury per accident
$25,000 in property damage per accident
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability
Uninsured/underinsured motorist bodily injury and/or first-party injury insurance
Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)
Up to actual cash value of car with a $2,500 deductible
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db256db428c370db6c8e8_image%203.webp)
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Liability Coverage
Comprehensive & Collision
Does not provide coverage.
![](https://cdn.prod.website-files.com/639063573e8c0e53e19b0d56/655db417ca24f94d1e9d05f5_image%204.webp)
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Liability Coverage
Comprehensive & Collision
Does not provide coverage