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Get DirectionsIf you’re a gig worker providing rideshare services or delivering food through an app, you likely use your personal vehicle for work. While you may have personal auto insurance, your regular policy won’t cover you if you’re involved in an accident while working in Jacksonville, FL. So, how can you protect yourself and your vehicle in the event of an accident? The agents at Skyline Insurance LLC can provide valuable information on insuring your gig vehicle.
Why Personal Auto Insurance Isn’t Sufficient
The keyword here is "personal." Personal auto insurance policies are designed for private use, not business activities. Many policies include exclusions for commercial use, meaning your carrier may refuse to cover damages if you’re in an accident while working. This could leave you financially vulnerable, especially if a passenger sustains injuries during a rideshare accident. In such cases, the passenger could sue you for medical expenses.
It’s essential to communicate with your insurance provider when you start a gig position. By discussing your situation, you can explore your options and ensure you’re adequately covered.
Options for Gig Workers
As a gig worker, you have several options to protect your vehicle while working. Some personal insurance policies allow you to add endorsements to cover commercial driving. However, other options may better suit your needs:
- Hired and Non-Owned Auto Insurance (HNOA): Provides liability coverage while using your vehicle for business purposes.
- Commercial Auto Insurance: A separate policy may be necessary for high-risk situations or frequent commercial use.
- Gig Platform Insurance: Companies like Uber and Lyft offer insurance policies; however, it’s essential to understand the specifics of their coverage.
Carefully evaluate your options before deciding which type of coverage is best for your situation. Skyline Insurance LLC agents can help you navigate your choices and select the right policy. Contact our office in Jacksonville, FL, to learn more about protecting your vehicle while working as a gig driver.
