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What is ridesharing?

You've probably heard of Uber® or Lyft®. They're technically called transportation network companies but more commonly known as ridesharing companies. They use online links or smartphone apps to connect passengers with drivers who use their personal vehicles like taxis.

Are you delivering for work?

Newly delivering for an app-based rideshare company

If you're new to working for an app-based delivery service, you may need to add rideshare gap coverage to your policy if you don't already have it. This will help protect you if you have an accident during the unmatched time of the delivery.

Add rideshare gap coverage

Already delivering for an app-based rideshare company

If you deliver for an app-based rideshare company and you already have our rideshare gap coverage, you're covered during the unmatched time. You should confirm with your employer whether you're covered during the actual matched time of the delivery.

Understanding rideshare gap coverage

Did you know that you might not be insured while you're waiting for a rideshare request? That gap in time, which can amount to a few minutes in many cases, may not be covered by your USAA Auto Insurance or your rideshare company's commercial policy.

  • Off Duty

    You're not logged on to your rideshare app and technically off the clock as a rideshare driver.

    You're covered by your personal auto policy.

  • Ready to Pick Up

    You're logged on to the rideshare app and waiting for a customer request.

    You may not be covered by your personal auto policy or your rideshare company.

  • Ridesharing

    You've accepted the request, you're picking up a passenger or delivery, or you're driving with a passenger or delivery.

    You may be covered by your rideshare company.

We know ridesharing is a growing industry and want to make sure you have the right insurance coverage to meet your needs. We offer rideshare gap protection coverage in every state except Hawaii, North Carolina, Michigan, Montana, New Mexico, New York, South Carolina and Virginia. You may have to carry certain liability limits to get rideshare gap coverage. To learn more about your liability limits, call us at 800-531-USAA (8722).

Adding rideshare coverage makes sense.

  • Help protect your ride.

    Get guaranteed repairs at more than 2,900 USAA-approved locations nationwide.

  • Help safeguard your income.

    Tailor your coverage limits and deductibles to fit your needs and budget.

  • Help protect your financial security.

    Don't be exposed to all the claims expenses.