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?
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
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
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
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
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
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
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
$1,000,000 for 3rd party auto liability in BI/PD.
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"
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
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
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
Coverage Period 1
Online and waiting
for a passenger
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Coverage Period 2 & 3
Driving to / with a passenger
Liability Coverage
Comprehensive & Collision
Does not provide coverage
Coverage Period 1
Online and waiting for a passenger
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
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
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Liability Coverage
Comprehensive & Collision
Does not provide coverage.
State Minimum Liability Coverage
Comprehensive & Collision
Does not provide coverage
Liability Coverage
Comprehensive & Collision
Does not provide coverage