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Does Progressive offer Period 2 and 3 coverage?

Driver1234

New Member
Hi, I am just signing up with Progressive rideshare. Their cost is 75 per month vs 132 for SateFarm. Does Progressive offer Period 2 and 3 coverage like StateFarm?
 

BigJohn

Well-Known Member
Does Progressive offer Period 2 and 3 coverage like StateFarm?
Unless you have a full COMMERCIAL INSURNACE POLICY WITH PASSENGER ENDORSEMENT and your own passenger transportation authority, insurance coverage during period 2 and 3 is EXCLUSIVLY provided by Uber/Lyft insurance.

People, having a rideshare rider/endorsement onto a personal auto liability policy does one thing and one thing only: Allows the policy to remain in force effectively "bypassing" the commercial use exclusion exemption of the policy.
 

Rumblepuppy

New Member
Neither State Farm nor Progressive offer any third party liability coverage in Periods 2 and 3, though both provide COMP/COLL deductible gap coverage in those periods.

A commercial livery policy or GEICO rideshare policy provide the only true "three-period" rideshare coverage, but purchasing those is akin to purchasing redundant coverage since Uber and Lyft by law already provide primary coverage in Periods 2 and 3: typically $1MM liability, $250k UM, PhysDam ($1000 DED with Uber, $2500 DED with Lyft).
 

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