How does your Personal Auto Policy (PAP) respond to vehicles involved in ridesharing activities such as Uber, Lyft, etc.?

The policy has an exclusion related to this under the “public or livery” wording regarding ridesharing.

When does ridesharing (public or livery) actually begin?

  • When the driver turned on the app and made himself “available” to those needing a ride?
  • When the driver accepted a request for the ride?
  • When the driver actually picked up the passenger?​

Insurance Services Office (ISO), in an attempt to clarify the application of the public and livery conveyance exclusion and offer options, created three endorsements to address when the PAP ceases to provide coverage. Depending on the endorsement attached, PAP coverage may cease:

  • When the driver turns on the app;
  • When the driver has logged in to the app but has NOT accepted a request;
  • When the driver accepts a request but has NOT picked up the rider;
  • When the driver picks up the rider.

Let us know if you are considering using your vehicle for ridesharing. These are serious issues and we need to talk.