So many of the people that I talk to that Rideshare think that if they don't tell their insurance company that they rideshare, that they will be covered and deal with it then.   Don't plan on it.  Not every insurance carrier in Michigan allows for ridesharing and those that do allow for ridesharing need to know.  The insurance that Uber provides when you turn on the app is only part of the coverage that you need. 

Michigan laws are unique.  Uber will cover you while you drive to pick up a rider after accepting a request and during an Uber trip, you are covered for Third Party Liability, Uninsured or Underinsured coverage and contingent comprehensive and collision coverage (as long as you have collision and comprehensive currently on your policy), however you still need a policy that allows you to use your personal vehicle for ride sharing.  The other coverages on your policy will be denied if they are not aware of your ride sharing.  Personal Injury Protection (PIP) is not one of the coverages that Uber covers.

Here is a link from www.Michiganautolaw.com that discusses the laws that went into effect in Michigan in 2016.   https://www.michiganautolaw.com/blog/2016/12/22/uber-lyft-laws-passed/ 

If you have not updated your insurance policy to reflect Ride Sharing, you are not properly covered.  Most personal lines insurance companies do not have coverage for Ride Sharing.  The cost to add the coverage isn't significant.  You may pay for the rest of your life if you are not properly covered.

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