Is Ride Sharing covered in Kentucky?

Ride-sharing is becoming more common in the past few years and now available in over 100 cities.  If you drive for a ride-sharing company or are thinking of doing so, it’s important to know the insurance implications if you drive your own personal vehicle.

Regular carpool or riding with a friend would be covered under your typical personal auto insurance policy, however, if you pick up and transport for a fee, there are likely some differences in insurance coverage.

Most personal auto insurance policies exclude coverage when you’re using your vehicle for business uses.  If you accept payment for transport, then you’re using your car for business.  Therefore, if you drive for a ride-sharing company and your vehicle or passengers are injured or damaged, it’s likely your personal auto insurance policy in Kentucky won’t cover the damage.

In short, your insurance company is likely to consider you higher risk because you are driving for business.  They see a higher risk because you may be driving more often, in different areas of town or more frequently especially in bad weather.

Let our Agents at London Insurance Agency & Insurance Service Center evaluate your risk and insurance policy if you are driving for a ride-shar company to make sure you are completely covered.