拼车司机pp王者电子官网的细节
Understand your new coverage needs when becoming a rideshare driver.
Drivers and riders have embraced the ridesharing economy, but before you jump on that bandwagon and offer your driving services, make sure you understand how your insurance coverage 工作s.
Doesn't my personal auto insurance policy 工作 — no matter why, when or who I'm driving?
简短的回答是，没有. 如果你“不能被雇佣”,根据你的拼车应用, then your personal auto insurance policy applies. 在任何其他可用性状态, 例如“与骑手匹配”或“运输”,"your personal auto insurance policy may not provide any coverage or only limited coverage.
但拼车公司提供pp王者电子官网. 为什么我需要额外的pp王者电子官网?
Most insurance provided by rideshare companies 工作s only in a couple of conditions. If the app is off, that rideshare insurance does not provide coverage. 如果应用打开了, 而你在等待匹配, t在这里's generally a small amount of liability coverage provided. Once you're matched with a rider or giving a ride, higher coverage may kick in — but it doesn't extend to damages to your car, 政策限制因州和公司而异.
州立农场如何® 拼车司机覆盖范围1 工作?
After the rideshare insurance coverage is purchased, your status on the rideshare app determines coverage. 如果应用打开了，你可以被雇佣, coverage extends from your personal auto policy and may include liability coverage for property damage and injury to others, 物理损害赔偿你的汽车损坏, 以及紧急路边服务. Once you're matched with a rider or are transporting him or her, the same coverage — minus liability to others — may apply. (实际限制可能因州而异.) This coverage endorsement typically adds about 15% to 20% to your current premium.2
Will my deductible change if I add 拼车司机覆盖范围?
The deductible you have for any Collision Coverage or Comprehensive Coverage on your policy will not change by adding 拼车司机覆盖范围.1
Before you become a rideshare driver, it's best to check with your 状态 Farm 代理 for detailed coverage questions, as states have different limits and requirements.
1 The described 状态 Farm 拼车司机覆盖范围 is provided by the 状态 Farm "Transportation Net工作 Company Driver Coverage"endorsement. This e-newsletter provides only a general description of coverages and is not a statement of contract. All coverages are subject to all policy 规定 and applicable endorsements. 欲了解更多信息，请咨询您的州立农场代理.
2 This amount may change over time and can vary by state.
