A guide to what a driver needs to know about driving for Zoom Ride.

What you need when you drive with _____Zoom Ride_________.

Zoom Ride drivers are required to have a personal auto insurance policy that meets minimum state requirements.  

Our insurance advisors recommend drivers maintain limits of at least $100,000 per per person, $300,000 per accident, $100,000 property damage.

What Zoom Ride Covers:

There are three distinct periods that determine your insurance coverage while driving for a rideshare app.   Coverage is provided in accordance with state laws for these three periods.

Period 1 – While App is on and you are waiting for a ride request.   Zoom Ride provides third-party liability insurance for covered accidents if your personal insurance does not apply.

• $150,000 Combined Single Limit of Liability

Period 2 – While app is on and you are on your way to pick up a passenger.

Zoom Ride provides third-party liability insurance for covered accidents. 

• $1,000,000 Combined Single Limit of Auto Liability
• $1,000,000 Uninsured/Underinsured Motorist
• Most personal insurance companies will exclude coverage while you are working on a rideshare application. No rider is available on your personal insurance to cover this liability.

Period 3 – While app is on and you have a passenger in the vehicle.

Zoom Ride provides third-party liability insurance for covered accidents.

• $1,000,000 Combined Single Limit of Auto Liability
• $1,000,000 Uninsured/Underinsured Motorist
• Most personal insurance companies will exclude coverage while you are working on a rideshare application. No rider is available on your personal insurance to cover this liability

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Most personal insurance companies will exclude coverage for damage to your vehicle while you are working on a rideshare application in Period 2 or Period 3, UNLESS you purchase a rider which is very often available.   We recommend our drivers purchase the rider for physical damage from their personal auto insurance company of choice.

• Currently Excess / Contingent Comprehensive & Collision up to actual cash value of the car ($2,500 Deductible) is NOT INCLUDED IN ZOOM RIDE PROGRAM

Excess / Contingent Physical Damage is protection if the Personal Auto policy does not pay a physical damage claim.   This is not primary coverage.