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Insurance with Express Drive

If you’ve been involved in an accident or collision, please contact us as soon as possible.
Express Drive is a rental program available for drivers in eligible regions. Coverage is classified based on the status (or 'period') you're in when the incident occurs:
  1. Personal driving: You're offline (i.e. not in driver mode)
  2. Waiting for a request: When the app is in driver mode and you haven’t received a ride request
  3. Ride in progress: This includes any time from accepting a ride request until the time the ride has ended in the app
Insurance coverages must align with local regulations and/or state laws. You can see your rental agreement for more details. Learn more about insurance options through your Hertz or Flexdrive rental below.
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Hertz coverage
Insurance coverage through Hertz will vary depending on the period you're in when the incident occurred.
Personal driving
  1. Auto Physical Damage: Coverage is provided regardless of fault. This includes a $50,000 limit per vehicle, with a $1,000 deductible for which you’re responsible.
  2. Auto Liability Coverage: Coverage includes bodily injury and property damage to third parties. (Coverage and limits vary state by state)
  3. Uninsured/Underinsured Motorist: Coverage may be provided if an incident involves an uninsured or underinsured motorist. See your rental agreement for more details.
Waiting for a request
  1. Auto Physical Damage: Coverage is provided regardless of fault. This includes a $50,000 limit per vehicle, with a $1,000 deductible for which you’re responsible.
  2. Auto Liability Coverage: Bodily injury and property damage is covered for third parties. (Coverage and limits vary by state)
  3. Uninsured/Underinsured Motorist: Coverage may be provided if an incident involves an uninsured or underinsured motorist. See your rentalagreement and Lyft's proof of insurance for more details.
Ride in progress
  1. Auto Physical Damage: Vehicle coverage is provided regardless of fault. This includes the actual cash value of the vehicle or repair costs (whichever is less) with a $1,000 deductible for which you’re responsible.
  2. Auto Liability Coverage:  Coverage includes bodily injury and property damage to third parties and/or passengers up to $1,000,000 per accident.*
  3. Uninsured/Underinsured Motorist: Coverage may be provided if an incident involves an uninsured or underinsured motorist. See your rental agreement and Lyft's proof of insurance for more details.
*Note: For covered accidents in Maryland, Lyft maintains $125,000 for third-party liability insurance (combined single limit for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements.
Flexdrive coverage
Insurance coverage through Flexdrive will vary depending on the period you’re in.  Depending on what state you drive in, your personal insurance policy may serve as your primary coverage when using personal miles.
See Flexdrive's proof of insurance for a printable copy of the Flexdrive insurance policy for your state.
Personal driving
  1. Auto Physical Damage: Flexdrive may provide* vehicle coverage regardless of fault. Actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more details.
  2. Auto Liability Coverage: Flexdrive may provide* coverage for bodily injury and property damage to third parties. Coverage limits vary by state.**
  3. Uninsured/Underinsured Motorist: Flexdrive may provide* (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist. See your rental agreement for more details.
Waiting for a request
  1. Auto Physical Damage: Vehicle coverage is provided regardless of fault. This includes the actual cash value of the vehicle or repairs costs (whichever is less) with a $1,000 deductible for which you’re responsible.
  2. Auto Liability Coverage: Coverage is provided for bodily injury and property damage to third parties. (Coverage and limits vary by state)
  3. Uninsured/Underinsured Motorist: Coverage may be provided if an incident involves an uninsured or underinsured motorist. See your rental agreement and Lyft's proof of insurance for more details.
Ride in progress
  1. Auto Physical Damage: Vehicle coverage is provided regardless of fault. This includes the actual cash value of the vehicle or repair costs (whichever is less) with a $1,000 deductible for which you’re responsible.
  2. Auto Liability Coverage: Bodily injury and property damage is covered to third parties and/or passengers up to $1,000,000 per accident.***
  3. Uninsured/Underinsured Motorist: Coverage may be provided if an incident involves an uninsured or underinsured motorist. See your rental agreement and Lyft's proof of insurance for more details.
*Flexdrive provides insurance coverage when applicable.
**Depending on the state you drive in, your personal insurance policy may serve as your primary coverage when you use personal miles: 
  1. States where rental coverage will be excess insurance when you have eligible personal insurance: AZ, CO, GA, NC, OH, OR, RI, TN, TX, WA, WI. 
  2. States where rental coverage will be secondary insurance when you have eligible personal insurance: CA. 
  3. States where rental coverage will be primary insurance when you have eligible personal insurance: DC, MA, MD, MI, VA. States where rental coverage will be 50/50 split with your eligible personal insurance: PA.
***Note: For covered accidents in Maryland, Lyft maintains $125,000 for third-party liability insurance (combined single limit for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements.
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