Rideshares, like Uber or Lyft, have become a popular mode of transportation for many Americans. They have also become an important source of income for those who work as rideshare drivers.
Rideshare drivers assume risks as they take on these jobs. Drivers take passengers into their vehicles with every ride. There’s always a chance that an accident could happen when they take on passengers. There could be vehicle damage, property damage, and injuries to the driver and passengers.
In the event of an accident, rideshare drivers could face insurance liabilities. Insurance laws govern rideshare businesses in complicated ways. For that reason, your traditional insurance may not protect you or your passengers.
Auto Insurance and Rideshares
Most standard auto insurance policies don’t cover ridesharing businesses. Rideshare drivers need more than a standard auto policy to protect their risks.
Some rideshare businesses offer some degree of supplementary insurance for their drivers. However, this coverage may not be enough to protect all your liability limits. For that reason, it is a good idea to invest in a specific rideshare insurance policy if you drive in this business. Doing so could help you avoid risks when carrying passengers.
Protecting Your Rideshare Passengers
Even though rideshare insurance can protect passenger risks, it’s your duty to protect your riders. Keep these safety tips in mind:
- Follow all the safety requirements of your employer and the local authorities. These can protect your passengers. They also can safeguard you from any illegal actions by passengers.
- Scrutinize who you allow in your vehicle, but don’t discriminate. For example, most rideshare companies allow you to refuse rides to customers who are drunk or disorderly. However, you usually can't refuse riders based on their race, gender, disabilities or other demographics.
- Follow all local traffic and driving laws. Don’t drive recklessly or without proper qualifications.
- Require your riders to wear seatbelts. Don’t allow small children to sit on another person’s lap. They must ride in car seats or booster seats.
- Don’t engage with customers in an unethical or immoral way. Treat all customers with courtesy.
- If you feel a belligerent passenger threatens your safety, request that the rider exit the vehicle. If he or she refuses, call the authorities. Let law enforcement handle the passenger.
- If you feel your safety is imminently threatened, defend yourself if you need to. But, seek any reasonable alternative to a physical confrontation firstly.
- If a passenger asks you to slow down, pull over, or adjust your driving style, listen to the passenger. Of course, don’t listen to a passenger if he or she tells you to drive recklessly.
Protect your passengers first of all. By doing so, you can protect your insurance liabilities. Invest in rideshare insurance for additional coverage help.
Get in touch with Insurance Agent2000 today. We can help you develop a California rideshare insurance policy to help you cover all your risks. Go online now for a fast, free quote. Get in touch with us at (925) 827-0510 for more information.