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Insurance with Express Drive

Express Drive renter’s insurance coverage depends on which of the following three periods you're in when an incident occurs:

  • Personal driving: You’re offline (i.e. not in driver mode)
  • Waiting for a request: When the app is in driver mode and you have not received a ride request.
  • Ride in progress: This includes any time from accepting a ride request until the time the ride has ended in the app.

* Note: Coverages and limits may be modified to comply with local regulations and/or state laws.

For details about insurance coverage in a rental vehicle, select your Express Driver partner below:


Hertz coverage

Period Auto Physical Damage Auto Liability Coverage Uninsured/Underinsured Motorist
Personal driving Hertz provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with up to a $2,500 deductible for which you are responsible. Starting at your next in-person vehicle renewal, your insurance deductible will be $1,000. See your rental agreement for more detail. Hertz provides coverage for bodily injury and property damage to third parties; coverage and limits vary state by state.* Hertz provides (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 detail.
Waiting for a request Hertz provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with up to a $2,500 deductible for which you are responsible. Starting at your next in-person vehicle renewal, your insurance deductible will be $1,000. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.
Ride in progress Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with up to a $2,500 deductible for which you are responsible. Starting at your next in-person vehicle renewal, your insurance deductible will be $1,000. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.

*Note: Coverages and limits may be modified to comply with local regulations and/or state laws.

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Flexdrive coverage

Period Auto Physical Damage Auto Liability Coverage Uninsured/Underinsured Motorist
Personal driving Flexdrive provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with up to a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Flexdrive provides coverage for bodily injury and property damage to third parties; coverage and limits vary by state.* Flexdrive provides (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 detail.
Waiting for a request Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with up to a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.
Ride in progress Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with up to a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.

*Note: Coverages and limits may be modified to comply with local regulations and/or state laws.

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