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The ride-share industry has exploded in North Carolina and beyond since bursting onto the scene just five years ago. As of last year, Uber alone reported it offered two million rides daily. Other competitors, such as Lyft, report only slightly lower rates. highway at night

However, the question of whether these services are adequately covered with auto insurance remains. It was only recently that both Uber and Lyft promised up to $1 million in liability and uninsured/underinsured auto coverage for passengers. But that policy is only applicable under certain circumstances.

Recently, a new survey indicated that many drivers for these services don’t purchase enough of their own insurance to fully protect them at all times, and they may not fully understand the risks involved. That has implications not just for the drivers if they are involved in a crash, but also for anyone with whom they might collide and potentially also with passengers.

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