been checking the price of insurance on vehicle. they always ask me if i would be using it for ride share. once i asked if i was, how much more would it be? it was like $150 a year added to my policy.
So is it so cheap because ride share insurance already covers and this is secondary insurance?
In NY it is very hard to get without a commercial policy. Probably all the lawsuits here. If you even ASK about rideshare they can drop you. It is worse than asking if something is covered, thinking you are going to make a claim.
But otherwise it is secondary because the rideshare company carries high insurance. There is a portion though when you are not covered, and the extra money covers your extra driving I guess.