The entire time your TNC app is on, your personal auto policy is suspended. Your TNC does provide coverage, but only for the period of time between accepting the passenger and dropping off the passenger (before accepting a passenger, some TNCs may provide limited liability coverage only). No passenger means no coverage for your vehicle and any damages or injuries you may sustain.
Extend your personal auto policy: With RideSharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. Most of the coverage and options you selected for your auto policy extend to your RideSharing Coverage.
Cover your ridesharing gap for mere cents a day: You’ll likely pay less than $10 a month for Safeco RideSharing Coverage, which is currently available in Missouri, Illinois and Indiana and will expand to additional states soon.
Identify which vehicle you use for ridesharing: Your RideSharing Coverage will only apply to the vehicle specified on your policy. If you have other vehicles insured, the coverage will not apply to them unless you purchase coverage for each one.