What are the specific insurance coverage requirements I must meet to drive for a rideshare service like Uber or Lyft in California?

To drive for a rideshare service in California, you must have your own personal auto insurance and be covered by the company's specific commercial insurance, which activates during different periods of your work. The law divides your driving time into three distinct periods, each with its own insurance requirement. Here are the steps to ensure you are properly insured: Step 1: Secure and Maintain Personal Auto Insurance You must have a personal auto insurance policy that meets California's minimum liability requirements. However, be aware that nearly all standard personal policies will NOT cover you while you are logged into a rideshare app. You must complete the next steps. Step 2: Understand the Three Rideshare Insurance Periods California law dictates insurance coverage based on your status in the app: - Period 1: You are logged into the app and waiting for a ride request. - Period 2: You have accepted a ride request and are on your way to pick up the passenger. - Period 3: The passenger is in your vehicle. Step 3: Verify the Rideshare Company's Insurance State law requires Uber and Lyft to provide insurance that covers you during all three periods. For Periods 2 and 3, they must provide at least $1,000,000 in liability coverage. For Period 1, they must provide liability coverage of at least $50,000 per person/$100,000 per accident for bodily injury and $30,000 for property damage. Step 4: Contact Your Personal Insurer about a Rideshare Endorsement Call your insurance agent and inform them you will be driving for a rideshare service. Ask for a "rideshare endorsement" or a "hybrid policy." This optional add-on helps cover potential gaps, especially in Period 1, and ensures your personal policy is not canceled for engaging in commercial activity. Important details and nuances: The rideshare company’s insurance for physical damage to your own car (comprehensive and collision) is often contingent. It typically only applies if you already carry that coverage on your personal policy and usually comes with a high deductible (e.g., $2,500). The rideshare endorsement you purchase from your personal insurer can sometimes offer a lower deductible. Warnings and limitations: Do not hide your rideshare driving from your personal insurance provider. If you get into an accident while logged into the app (even just waiting for a request) and have not disclosed this activity, your insurer could deny your claim and cancel your policy entirely, leaving you personally responsible for all damages. This is general information and does not constitute legal advice. For complex situations, such as navigating a claim after an accident, consult with a qualified California attorney.