Your personal auto insurance or your transportation network company aka Uber/Lyft?
How about Neither and here's why. The minute you turn on your "Ride-Share" application the coverage on your "Personal Auto Policy" ends.
In assembly bill 2293 section 5432 it states that a transportation network company (Uber/Lyft) shall advise a participating driver in writing that the driver's personal automobile insurance policy will not provide coverage because the driver uses a vehicle in connection with a transportation network company’s online-enabled application or platform it also does not provide collision or comprehensive coverage for damage to the vehicle used by the driver from the moment the driver logs on to the transportation network company’s online-enabled application or platform to the moment the driver logs off the transportation network company’s online-enabled application or platform.
The minute you turn on your application period 1 begins and will not end until you accept a ride request.
As soon as you accept a ride request the 2nd period starts and does not end until you pick up a passenger..
Once you pick up a passenger, Period 3 begins. This 3rd period ends as soon as you end the ride. Then, you’re back in Period 1 until you accept another ride request or turn of your application.
What does all this mean?
For period 1 it means that the minute your turn on your TNC application if you are involved in an at fault accident the only coverage you have is third party liability so if you are injured or your vehicle is damaged you will be responsible for your medical bills and the repairs to your vehicle.
For period 2 it means that after accepting the ride and start driving to pick up a passenger, before they get into your car, you are covered by the TNC policy for three things: 1) your liability to a third party, 2) any injuries due to an uninsured or underinsured motorist, and 3) collision and comprehensive coverage if you already have such coverage on your PAP..
For period 3 it means a rider is in your car, you are covered by the TNC policy for three things 1) your liability to a third party, plus the rider in your car is covered. 2) any injuries due to an uninsured or underinsured motorist, and 3) collision and comprehensive coverage if you already have such coverage on your personal insurance.
In a nutshell you have a gap in coverage when you use your vehicle for the TNC application. Since the law was first passed many insurance companies' have jumped on board to help bridge the gap between your PAP and the TNC insurance with a "Hybrid Policy" specifically designed for ride-sharing.
For Free Information and better understanding of these "Hybrid Policies' please call our office at 619-799-9443 or send your inquiries to firstname.lastname@example.org