Rideshare Insurance FAQ · New Jersey The Questions Drivers Ask Before and After the App Goes On

Not while you're online waiting for a trip: Uber's insurance page says there's no Uber-maintained collision or comprehensive coverage then. During a trip, Uber's coverage for your car depends on your own policy carrying comprehensive and collision, pays up to actual cash value and comes with a $2,500 deductible. More on your car in Periods 2 and 3.

Partly, and it depends on the period. While you're logged on and waiting, New Jersey requires $50,000/$100,000/$25,000 of liability; from the moment you accept a ride until drop-off it's $1,500,000 (N.J.S.A. 39:5H-10). Neither tier requires anything for your own car. See how every coverage period works.

It may not. New Jersey lets your personal auto insurer exclude any and all coverage while you're logged on or on a ride (N.J.S.A. 39:5H-12), and the standard policy form excludes logged-on time. A rideshare endorsement is how insurers add some of it back. Read how the rideshare exclusion works.

Yes. New Jersey lets your insurer exclude rideshare app time (N.J.S.A. 39:5H-12), so if it learns about your driving after a claim, it may refuse the claim and decline to renew your policy. Telling it is also the only way to get a rideshare endorsement quoted. More on telling your insurer.

Adding a rideshare endorsement usually adds something to your premium, and how much depends on the insurance company, your car, your record and how much you drive. The expensive version is skipping the endorsement and finding out what your policy excludes at claim time. See what a rideshare endorsement adds.

Usually not, if you drive part-time. Rideshare coverage is normally an endorsement on your personal auto policy, and New Jersey bars anyone without proof of valid auto liability insurance from driving for a TNC (N.J.S.A. 39:5H-20). See whether you can buy rideshare insurance on its own.

It's industry shorthand for the time the app is on and you haven't accepted a request; the statute just says logged on and available. New Jersey requires the lowest limits of the shift then (N.J.S.A. 39:5H-10), and Uber pays nothing toward your car. See the Period 1 gap.

It depends on your car, your driving record, how much you drive and which insurance company writes it. For most part-time drivers it's an endorsement added to a personal policy rather than a separate commercial policy. We'll give you real numbers after reading your declarations page in a free coverage review.

Check on everyone and call 911 if anyone is hurt, screenshot the driver app, document the scene, then report the crash to the app and to your own insurer. Which policy responds first depends on whether you'd accepted a ride. Our driver's guide to a rideshare accident walks through it step by step.

No. Uber's insurance page answers that question in three words: "No, it won't." Some rideshare endorsements include rental, sometimes only if rental is already on your base policy, so check yours. See how endorsements usually treat rental.