04/21/2026
🚗 Driving for Uber, Lyft, DoorDash, or Spark? Your Personal Auto Policy May Not Cover You.
If you or someone in your household is using a personal vehicle to deliver food, groceries, or passengers for a rideshare or gig platform — your standard personal auto policy likely has a gap you don't know about.
Most personal auto policies exclude coverage when your vehicle is being used for hire or delivery. That means if you're involved in an accident while logged into an app — even waiting for a ride request — your claim could be partially or fully denied.
Here's what you need to know:
✅ Personal auto = designed for personal use
❌ Gig driving = commercial use — and carriers treat it differently
Depending on your situation, we may be able to:
🔹 Add a rideshare endorsement to your current policy
🔹 Transition you to a commercial auto program
🔹 Help you understand what coverage the platform provides — and where it stops
The most important thing you can do right now? Call us and let us know. A quick conversation could be the difference between a covered claim and a denied one.
📞 307-655-8001 | 📧[email protected]
📍 Iron Valley Insurance Group, LLC | Sheridan, WY
Eligibility varies by carrier and policy. This post is for general informational purposes only and does not constitute a coverage opinion or guarantee. Contact our office to review your specific situation.
