Auto Insurance

Rideshare Endorsement

An add-on that fills the coverage gap when driving for Uber/Lyft between accepting and completing rides.

Last reviewed: May 2026 · Editorial methodology

Definition

Standard personal auto policies exclude commercial use, and Uber/Lyft's commercial coverage only activates once a ride is accepted. This creates a dangerous coverage gap during Period 1 — when the app is on but no ride has been accepted. A rideshare endorsement (offered by State Farm, USAA, Allstate, and others for $10–$25/month) extends your personal policy to cover this gap. Without it, an accident during Period 1 could result in both your personal policy and Uber/Lyft's policy denying the claim. Required disclosures: some states mandate disclosure to your insurer if you drive for TNCs; failing to disclose can void your personal policy even for non-rideshare trips.

Where this term matters

Auto Insurance →/life-events →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

EndorsementA written modification to a policy that adds, removes, or changes coverage — same as a rider.Liability CoverageCoverage that pays for bodily injury and property damage you cause to others — protects your assets.Collision CoverageOptional auto coverage that pays to repair your vehicle after a crash, regardless of fault.Comprehensive CoverageOptional auto coverage for non-collision damage: theft, fire, hail, vandalism, animal strikes.Named DriverA specific person listed on an auto policy who is covered to drive the insured vehicle.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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