There is no question that since Uber arrived in Massachusetts in 2011 and Lyft in 2013, the way we get around has really changed. I am always amazed at the different drivers that transport us around. I always like to ask, how they like the work and usually get a sense of whether they are part time or full time drivers.

When I start these conversations my family members usually give me the, “Don’t you ask about their insurance…look” and most times I am stared down. But, after I get out of the car, I do keep wondering what they have done about their insurance.

When a person is driving their personal car for a ride sharing service there is an EXCLUSION that says YOU ARE NOT COVERED while working. This means if you get in an accident while driving a ride sharer or on your way to pick one up, your claim will not be covered.

Massachusetts Rideshare Regulations:

Boston drivers are more strictly regulated by the state of Massachusetts than most drivers are elsewhere in the country. In 2016, the governor signed into law Massachusetts’ first statewide regulations on ride sharing services. The law puts some pretty strict requirements on drivers though. It requires them to purchase commercial insurance. That’s a good thing as it protects both drivers and passengers.

We know making extra money while driving for these services is an excellent source of additional income. If you choose to, you just need to make sure you get commercial insurance to cover you while you are driving.

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