Sidecar’s Insurance Policy
Sidecar’s rideshare platform was designed with safety in peer-to-peer transportation and trust in mind. To ensure the safety of our community, Sidecar custom-created a commercial automobile liability insurance policy that covers up to $1 million per occurrence. This policy is designed to cover driver liability for property damage and/or bodily injury to passengers and third parties up to the $1,000,000 limit. Coverage under this policy begins when a Sidecar driver has accepted a ride through the Sidecar app and continues until the passenger exits the vehicle at the end of the ride. An additional policy for the State of Washington covers driver liability for property damage and/or bodily injury to passengers and third parties up to $100,000 bodily injury per person, $300,000 bodily injury per accident and $25,000 of property damage per accident from the time the app is turned on until a ride match is made, and for each Uninsured or Underinsured Motorist Claim in the State of Washington for accidents occurring any time the application is on. In addition, Sidecar offers its drivers $50,000 collision insurance coverage per accident. Damage to a Sidecar driver’s car while on an active ride will be covered up to $50,000 with a driver deductible of $500 per occurrence. Sidecar’s coverage is secondary to any other valid and collectible insurance that may be held by the driver, and will apply when all coverages from other such insurance has been fully exhausted or declined.
Sidecar’s $1 million commercial liability insurance per incident plus $50,000 collision insurance coverage per event are joined by many existing safety features we offer including:
- • Background checks conducted by a third party
- • GPS tracking of rides beginning to end
- • Electronic record of every ride
- • Zero tolerance drug and alcohol policy for drivers
- • Cashless experience via payment through the app
- • Customer support at a tap of a button
Even with all these safety precautions in place, accidents can still happen. Safety is our #1 priority at Sidecar because we understand that trust and safety are critical to peer-to-peer transportation.