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How do I insure a shared car?

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.
In the State of Illinois, auto insurance coverage is a requirement to operate personal, shared, and rental vehicles. With the surge of car sharing in Illinois, more and more drivers are joining the industry. This brings into question the coverage for shared vehicles.

According to the Illinois Department of Transportation (IDOT), those planning to join car sharing services must be aware that insurance carriers may cancel their policies or be denied insurance including legal assistance during claims. To ensure your coverage, here are multiple ways to get your car insured:

  • Ask your agent if your policy covers car sharing and similar activities. This will help you know if you need to add optional coverage to your insurance or get a new one specifically for rideshare.
  • Check the car sharing programs you plan to join for potential auto insurance. Normally, the companies will offer coverage but will have an insurance cap.
It is especially crucial to get insured before you join car sharing services. Foremost, because it ensures you and the consumer’s coverage in case of medical emergencies or exigent roadside assistance. Second is because despite the absence of state-regulated inspections, the companies will check for your legal documents including your auto insurance coverage.

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