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Ride-Share and Livery Exclusion

Standard personal auto policies exclude coverage when your vehicle is used to transport paying passengers. Driving for a ride-share platform without a specific endorsement can leave you unprotected during an active trip.

Standard personal auto policies exclude coverage when the vehicle is being used for ride-share or livery (paid passenger transport). Some carriers offer a ride-share endorsement to fill the gap. Example: driving for Uber without a ride-share endorsement means a crash that happens with a passenger in the car may not be covered by either your personal policy or the platform's contingent coverage.