Rideshare Insurance in Oak Lawn and Chicago, IL
Keeping Illinois Lyft and Uber Drivers Secure in All Situations
Whether you drive for Uber or for Lyft and whether your app is on or off, you face risks. And while you may not realize it, these risks require protection beyond what is typically found in your personal auto insurance policy. At Gallagher & Murphy Insurance Agency we provide that protection through a comprehensive rideshare insurance program. Our program has coverages that provide you with a hybrid policy which keeps you protected from before you turn on your app to long after a customer has exited your vehicle.
We have access to many markets and we can write nearly anything for anyone. Also, we’re experienced in the industry, so any policy that you get from us will come with services and support from people who know what’s best.
On top of being an experienced local agency, we write our rideshare policies through Erie and Travelers Insurance, which are currently two of the only carriers in the country that offer coverage specific to the industry.
Rideshare Insurance Coverage Details
Most personal auto insurance polices do not cover rideshare-related risks, and this is the primary reason why rideshare divers and/or TNC drivers need rideshare insurance. There are three periods in which rideshare drivers need protection that personal auto insurance policies do not provide, which are as follows:
- When drivers log into TNC apps but are not matched with passengers
- When drivers make and accept matches with prospective passengers but have no passengers in their vehicles
- When drivers have picked up passengers and have passengers in their vehicles
We will mitigate any risk that you face during the three periods mentioned above and during any period in which you’re driving for personal reasons.
Experienced, Local Agents Providing Services and Support
We’ve provided rideshare insurance to Illinois drivers for years, so we know what it’ll take to keep you secure. Your driving record, your history with another insurance company, and the coverages that are provided by the TNC company for which you work all affect your rideshare insurance coverages and rates. We’ll take these and other things into account as we create your policy. As a result, you’ll be fully protected and you’ll pay for only what you must.
Additional Rideshare Insurance Information:
- Rideshare Insurance Information and Resources (The Insurance Information Institute (III))
- Rideshare Insurance Facts and Resources (The National Association of Insurance Commissioners (NAIC))
- Rideshare Insurance Details and Resources (Nerdwallet)
At Gallagher & Murphy Insurance Agency we’re proud to provide rideshare insurance in Oak Lawn, Chicago, Evergreen Park, Palos Heights, Orland Park, and Tinley Park, IL. We also serve other areas in the state and we serve other states.