There are some great perks in becoming a rideshare driver, but it also has downsides, and the COVID-19 pandemic has exposed many of these. One of the biggest issues is maintaining a safe environment for yourself and your passengers inside your vehicle. The CDC has released a set of guidelines for rideshare drivers to help increase safety. By using them as a reference, you can stay safe while operating a rideshare service.
Stay Home if You Are Sick
If you have a fever, cough, difficulty breathing or other symptoms of COVID-19, stay home, contact your healthcare provider and self-quarantine. Do not return to work until you are cleared by your doctor. You could potentially expose hundreds of people to the virus, leading to a new cluster of cases.
Limit the Number of Passengers
Avoid putting passengers in the front of your vehicle. This will limit the number of people you can take in a single ride, but there is no feasible way to maintain a safe distance when passengers are right next to you. Avoid shared rides, too, since they increase contact between different groups of people.
Wear a Mask and Gloves
Always wear a cloth mask when you are driving to avoid spreading germs. Request that your passengers wear them, too. Wear gloves that can be cleaned or changed between passengers.
Clean High-Touch Surfaces
High-touch surfaces like handles, seatbelt clips and armrests should be wiped down with a disinfectant after each passenger leaves the vehicle.
Carry Ridesharing Coverage
There are basic safety concerns that don’t go away because of COVID-19. Many of these can be minimized with the appropriate ridesharing coverage.
What Insurance Covers Rideshare Drivers?
Your regular auto policy won’t cover claims for accidents, damages or injuries that happen during rideshare activities. Add-on policies, like those offered through Uber and Lyft, only protect you when there is a passenger in your vehicle. They do not apply between rides or when you are waiting for a fare. Rideshare insurance can help fill that gap.
What Does Rideshare Insurance Cover?
Ridesharing policies cover everything your standard auto policy does, even when you are transporting passengers or waiting for a ride request. This may include:
- Liability protection
- Physical damages
- Medical payments
- Uninsured motorists
How Much Does It Cost to Add Rideshare Insurance?
The cost to add rideshare insurance for drivers is usually minimal. The best way to find out how much you will pay for the added peace of mind provided by continuous coverage is to request a quote from a company experienced with rideshare and livery activities.
About American Risk Management, Inc.
American Risk Management, Inc. (ARM), along with its predecessor entities, has provided public auto business owners with coverage for their vehicles and operations since 1938. We provide coverage to taxis, sedans, limousines, ride-sharing vehicles, sightseeing tours, courtesy shuttles, school shuttles, last-mile delivery, and couriers across the Washington, D.C. metro area. Our expertise and experience in the commercial transportation industry allow us to provide our clients solutions that fit their unique risk profiles. To learn more about what we can offer you, call us today at (202) 547-8700.