Overview
All drivers are required to be covered by their personal auto insurance policy. Once a driver logs into the driver app, there are three coverage periods:
- Offline: When you are offline, your personal auto insurance coverage applies.
- Online (Period 1): When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents, if required by the state in which you are located. It is recommended that all drivers have additional coverage under their personal auto insurance policy (it is often called a Rideshare Endorsement).
- En Route/On Trip (Periods 2 & 3): When you are en route to pick up a passenger or have a passenger in your vehicle, Medical Transportation Management (MTM) or Veyo maintains auto insurance for covered accidents.
Veyo recommends that you have a Rideshare Endorsement. What is a Rideshare Endorsement?
It extends certain coverages on your personal auto insurance policy so that they apply during the "app on" period when you are available on the driver app but prior to you taking a trip. If an accident occurs during this period (Period 1), the Ridesharing Endorsement may help prevent you from paying out of pocket for related expenses. You can contact your agent to ask about rideshare insurance.
Jump to your region:
Arizona | California | Connecticut | Florida | Michigan | Missouri | Ohio | Texas | Virginia | Wisconsin
-
For Arizona Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $25,000 for death and bodily injury per person,
- $50,000 for death and bodily injury per incident
- $20,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $250,000 uninsured and underinsured motorist bodily injury coverage
-
For California Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $50,000 for death and bodily injury per person,
- $100,000 for death and bodily injury per incident
- $30,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
-
For Connecticut Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $50,000 for death and bodily injury per person,
- $100,000 for death and bodily injury per incident
- $25,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $25,000 per person uninsured and underinsured motorist bodily injury coverage
- 50,000 per accident uninsured and underinsured motorist bodily injury coverage
-
For Florida Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, your personal auto coverage applies.
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, MTM maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $10,000 per person personal injury protection, except death benefits ($5,000 for death benefits)
-
For Michigan Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $50,000 for death and bodily injury per person
- $100,000 for death and bodily injury per incident
- $25,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $250,000 per person personal injury protection for medical expenses; up to $1,750 per person for funeral expenses; and up to $6,065 for work loss for any 30-day period
-
For Missouri Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, your personal auto coverage applies.
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, MTM maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $250,000 uninsured and underinsured motorist bodily injury coverage
-
For Ohio Drivers:
Offline: When you are offline, your personal auto insurance coverage applies.
Period 1: When you are logged into the driver app and it is prior to you taking a trip, your personal auto coverage applies.
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, MTM maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
-
For Texas Drivers:
Offline: When you're offline, your personal auto insurance coverage applies
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $50,000 for death and bodily injury per person
- $100,000 for death and bodily injury per incident
- $25,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
-
For Virginia Drivers:
Offline: When you're offline, your personal auto insurance coverage applies
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents:
- $50,000 for death and bodily injury per person
- $100,000 for death and bodily injury per incident
- $25,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- 30,000 per person uninsured motorist bodily injury coverage ($60,000 per accident)
- 20,000 uninsured motorist property damage coverage
-----
-
For Wisconsin Drivers:
Offline: When you're offline, your personal auto insurance coverage applies
Period 1: When you are logged into the driver app and it is prior to you taking a trip, Veyo maintains auto insurance for covered accidents :
- $50,000 for death and bodily injury per person
- $100,000 for death and bodily injury per incident
- $25,000 for property damage per accident
Periods 2 & 3: When you are en route to pick up a passenger or have a passenger in your vehicle, Veyo maintains auto insurance for covered accidents:
- $1,000,000 third-party liability coverage
- $50,000 comprehensive and collision coverage, included only if a driver has comprehensive and collision coverage on their personal auto policy (subject to a $1,500 deductible)
- $25,000 per person uninsured motorist bodily injury coverage ($50,000 per accident)
- $50,000 per person underinsured motorist bodily injury coverage ($100,000 per accident)