Insurance Policy

Insurance Policy

The subject of insurance can be complicated, but it’s important you know how and when our policies cover you and your passengers in the event of an incident. The following is an overview of how Leep Rideshare's insurance policies work.

There are four coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a ride request until the time the ride has ended in the app).

  • Contingent Liability (coverage only while in driver mode waiting for a ride request)
  • Primary Automobile Liability
  • Contingent Comprehensive & Collision
  • Uninsured/Underinsured Motorist (UM/UIM)

Skip to:

  • View Leep's insurance policy in the app
  • Coverage when driver mode is off
  • Coverage when driver mode on but no ride accepted
  • Coverage when ride accepted through ride ends
  • When do these coverages apply?
  • What states are covered by this policy?

 

View Leep's insurance policy in the app

To view our insurance policy:

  1. Open your app and go to the sidebar 
  2. Tap 'Vehicle'
  3. Tap the vehicle that you want to see the insurance for
  4. Tap 'Leep' insurance'

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Coverage when driver mode is off

Your personal insurance is your insurance policy.

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Coverage when driver mode on but no ride accepted

Leep provides liability coverage to protect you if your personal insurance doesn’t.

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Coverage when ride accepted through ride ends

Our primary liability insurance is designed to act as the primary coverage from the time you accept a ride request until the time the ride has ended in the app. The policy has a $1,000,000 per accident limit. Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), Leep’s policy will continue to be excess to your insurance coverage.

What does UM/UIM mean and how does this coverage work?

In the event of an accident (once you have accepted a ride or are transporting a passenger) with a driver who is uninsured (UM) or underinsured (UIM) and is ultimately at fault for bodily injury caused to you and/or your passengers, our UM/UIM coverage will apply (coverage limits vary by state). There is no deductible on our UM/UIM policy.

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When do these coverages apply?

It depends on the coverage. During the time the Leep Driver app is on and available to accept a request (also known as “driver mode”), the contingent liability policy is in effect.

The other three coverages are in effect beginning when you’ve accepted a passenger ride request and are on your way to pick the passenger up. These coverages continue while you’re giving a ride to a passenger until the time you end the ride in the app.



What states are covered by this policy?

Our policy is available in all states in the U.S., except for those rides originating in New York City with a TLC (Taxi and Limousine Commission) driver. Some regions may have specific requirements that modify the described coverage.

We're committed to pushing the insurance industry to innovate quickly and create unique solutions for our drivers. Several personal auto insurers also offer different coverages available for transportation network drivers. Please contact your personal auto insurer for more information. If you have questions relating to insurance, let us know by tapping 'Contact Support' below.

Download a copy of our Certificate of Liability Insurance, or see a list of personal auto insurers that offer coverage for transportation network drivers in your state.


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