If you drive for Uber , Lyft, DoorDash, Instacart, or another delivery/rideshare service, you might think your personal auto insurance has you covered. Unfortunately, that’s not always the case — and the gap could cost you thousands in the event of an accident.

At Riseson Insurance , we help drivers in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler understand the risks of rideshare driving — and how to protect themselves with the right coverage.

Rideshare coverage is an optional add-on (also known as an endorsement ) that bridges the gap between your personal auto policy and the limited coverage provided by the rideshare company. It ensures you're fully covered during the periods when:

Your app is on and you're waiting for a ride or delivery request You're en route to pick up a rider or delivery You have an active passenger or delivery in the car

A rideshare endorsement from a trusted carrier can provide:

Full coverage while waiting for ride/delivery requests Medical payments and uninsured motorist protection Collision and comprehensive coverage (even if the rideshare company's deductible is high — usually $1,000–$2,500) Legal protection if you're sued after an accident

In growing metro areas like Phoenix, Chandler, and Tucson, more people are turning to rideshare and delivery driving to earn extra income. But with more traffic comes more risk. Whether you're navigating busy Tempe streets, delivering in Scottsdale, or picking up food in Gilbert, the right coverage is essential.

As a local independent agency , we shop multiple top-rated carriers to find rideshare-friendly policies at the best possible price. We’ll:

Review your current auto policy for gaps Explain how different carriers handle rideshare Add a rideshare endorsement or recommend a new policy if needed

Call Riseson Insurance at 602-460-5470 to make sure you're fully protected every mile of your drive.

What Is Rideshare Insurance?

What Rideshare Coverage Offers

Why It Matters in Arizona

How Riseson Insurance Can Help

• Your app is on and you're waiting for a ride or delivery request
• You're en route to pick up a rider or delivery
• You have an active passenger or delivery in the car

• Full coverage while waiting for ride/delivery requests
• Medical payments and uninsured motorist protection
• Collision and comprehensive coverage (even if the rideshare company's deductible is high — usually $1,000–$2,500)
• Legal protection if you're sued after an accident

• Review your current auto policy for gaps
• Explain how different carriers handle rideshare
• Add a rideshare endorsement or recommend a new policy if needed