Insurance Hub: Your One-Stop Destination for All Coverage Needs
Insurance for rideshare drivers doesn’t have to be perplexing. Our aim is to help you grasp what you require, what RapidoRide insurance entails, and how to handle accidents.
RapidoRide: Ensuring Coverage for Every Journey.
Drivers are required to maintain auto insurance meeting government-mandated minimum coverage criteria. Standard personal auto policies typically don’t cover driving with RapidoRide. To ensure comprehensive protection on every trip, consider investing in rideshare insurance or adding a rideshare endorsement to your current coverage. Our RapidoRide commercial auto insurance, provided by Northbridge Insurance, covers you from the moment you’re ready to accept a ride in the app until the request is fulfilled, safeguarding passengers throughout the journey. However, for personal errands, rely on your own active personal auto insurance to drive with Rapidoride.
What Is Covered ?
At RapidoRide, we prioritize transparency and clarity regarding your insurance coverage while driving. To ensure you’re fully informed, it’s essential to understand the three distinct periods that dictate your insurance protection throughout your journey. These periods delineate various phases of driving, including waiting for a ride request, actively transporting a passenger, and the period in-between rides. By comprehending these periods, you can confidently navigate your insurance coverage and drive with peace of mind. For a detailed breakdown of what each period entails and the corresponding insurance coverage, explore our comprehensive resources. With RapidoRide, we’re dedicated to empowering our drivers with the knowledge they need to drive safely and securely.
Insurance coverage when the app is inactive.
Your personal automobile insurance coverage is applicable.
Coverage While Logged into Rapidoride (No Ride Request Accepted)
$1,000,000 third party liability coverage.NOTE:coverage is contingent on driver’s own insurer denying coverage for an accident occurring during this Period. – Direct Compensation Property Damage coverage.NOTE:coverage is contingent on driver’s own insurer denying coverage for an accident occurring during this Period. – Accident benefits coverage. – Uninsured Automobile Coverage. – SEF #44 – Family Protection Endt. NOTE: Under Period 1, the SPF9 will not contain physical damage coverage. If the driver wants this coverage during period 1, they may choose to purchase optional Sec C coverage from their own insurer.
Coverage When Driver Has Accepted a Ride Request and is En Route to Pick Up Passenger(s)
RapidoRide ensures robust insurance coverage for protected accidents during the following scenarios:
– $2,000,000 Third party liability coverage.
– Direct Compensation Property Damage coverage.
– Accident benefits coverage.
– Uninsured Automobile Coverage.
– Contingent Sec C: Collision & Comprehensive, with a $1,000 deductible (contingent on driver carrying Sec C coverage on their personal SPF1 owners policy).
– SEF #44 – Family Protection Endorsement.
– SEF #20 – Loss of Use Endorsement, with a $1,500 limit per occurrence.
– SEF #43R/L – Waiver of Depreciation, covering a 48-month period.
Coverage While Passenger(s) are in the Vehicle
RapidoRide provides the following insurance for covered accidents:
Coverage Overview:
– $2,000,000 Third Party Liability Coverage
– Direct Compensation Property Damage Coverage
– Accident Benefits Coverage
– Uninsured Automobile Coverage
– Contingent Sec C. Collision & Comp:Subject to a $1,000 deductible. Note: Coverage is dependent on the driver carrying Sec C coverage on their personal SPF1 (owners policy).
– SEF #44 – Family Protection Endorsement
– SEF #20 – Loss of Use Endorsement:Subject to a $1,500 limit per occurrence.
– SEF #43R/L – Waiver of Depreciation:Subject to a 48-month period.
Our Trusted Auto Insurance Partners
Steps to Take in Case of an Accident
Call 911
In the event of an urgent, life-threatening situation, or if you sense an immediate risk of physical harm, it’s vital to promptly contact local authorities or emergency services.
Accident Reporting
If you’ve been involved in a collision, please report your accident here. Our Claims Customer Care team operates 24/7 and will assist you in navigating the next steps.
Have inquiries? We've got solutions.
Drivers are required to maintain personal auto insurance that meets state requirements, but most personal policies don’t cover driving with the RapidoRide app. RapidoRide provides commercial insurance for drivers in accordance with state and local laws, offering specific coverage while the app is in use. It’s important to understand that this commercial insurance does not replace your personal insurance.
While additional personal auto coverage beyond your personal policy isn’t mandatory, it may be available to provide extra protection when your app is active and you’re waiting for a ride request.
If you’re in an accident, you may be assisted during the claims process by companies such as Northbridge Insurance Company.
Typically, you should renew your personal auto insurance policy every 6-12 months. It’s important to keep your insurance current and compliant with state regulations while driving with RapidoRide. To maintain eligibility to drive on the RapidoRide platform, we’ll remind you to update your documentation 15 days before your policy expires. If you’re thinking about changing policies, you’ll soon have the option to get quotes from our partners, which could potentially offer better coverage or cost savings.
You need to have valid personal auto insurance. While extra insurance beyond your personal policy isn’t required, additional personal auto coverage may be available to provide added protection when your app is active and you’re waiting for a ride request. Below are insurers who might offer this optional coverage.
Contingent collision & comprehensive coverage offers reimbursement for damage to your vehicle up to its actual cash value, with a deductible of $2,500 deducted, contingent upon you already having personal comprehensive and collision coverage. It’s designed to provide assistance regardless of fault.
RapidoRide may provide uninsured and underinsured motorist coverage (UM/UIM) for accidents with drivers lacking or having insufficient insurance. Additionally, first-party coverages like Med Pay, PIP, and Occupational Accident coverage may be available for medical expenses and wage loss resulting from accidents, with no deductible required.
This insurance offers drivers coverage for liabilities arising from bodily injury and property damage to others or their property in a covered accident. It’s important to note: If you already possess commercial insurance (or personal coverage tailored for ridesharing), RapidoRide’s policy functions as secondary to your existing insurance coverage.