Good to Go Insurance is a rideshare and delivery driver coverage option, not a standard auto policy
Good to Go Insurance is a commercial auto insurance product designed specifically for people who drive for rideshare platforms like Uber and Lyft, or delivery services like DoorDash and Instacart. It fills a gap that exists between your personal auto policy (which typically excludes commercial driving) and the limited coverage that rideshare companies themselves provide during active trips.
The product is underwritten by established insurance carriers and sold through brokers and platforms that specialize in gig economy coverage. It is not a government program, and it is not the same as the insurance Uber or Lyft provides when you have a passenger in your car. Good to Go covers the periods when you are logged into the app but do not yet have a ride or delivery assigned — the time when you are most exposed to a gap in coverage.
Understanding what Good to Go actually covers, what it costs, and whether you need it requires knowing how rideshare insurance layers work and what your personal policy already excludes.
Key Takeaways
- Good to Go Insurance covers you during the waiting period when you are logged into a rideshare or delivery app but have not yet accepted a ride or delivery request.
- Your personal auto insurance almost certainly excludes commercial driving, so you have a coverage gap during the time you are available but not actively working.
- Rideshare companies provide liability coverage once you accept a ride, but that coverage is limited and does not cover your own vehicle damage in most cases.
- Good to Go is optional — you are not required to carry it — but the cost is usually between $10 and $30 per week depending on your driving history and location.
- You should review your personal policy's exclusions and compare Good to Go's actual coverage limits against what you would owe out of pocket if you were in an accident while waiting for a ride.
The coverage gap that Good to Go is designed to fill
When you drive for Uber, Lyft, DoorDash, or similar platforms, your coverage situation changes depending on what you are doing at that moment. Your personal auto insurance policy excludes commercial use — meaning it will not pay if you are in an accident while using your car for work, even if you are just waiting for a job to come through.
Rideshare companies do provide some insurance, but only after you accept a specific ride or delivery. The moment you accept a request, the platform's coverage kicks in. But the moment you decline a request or finish a delivery and go back to waiting, you fall into a gap where neither your personal policy nor the platform's coverage applies. That gap is what Good to Go Insurance is meant to cover.
This gap matters most if you are in an accident during the waiting period. If another driver hits you while you are logged in but have no active ride, your personal insurance may deny the claim because you were using the car commercially. The other driver's insurance might refuse to pay because you were the one at fault. You would then be responsible for the full cost of repairs, medical bills, and liability to the other party.
What Good to Go Insurance actually covers
Good to Go provides commercial auto coverage during the period when you are logged into a rideshare or delivery app but do not have an active passenger or delivery. The coverage typically includes liability (damage you cause to other people or their property), collision (damage to your own vehicle from an accident), and comprehensive (damage from theft, weather, or vandalism).
The specific coverage limits vary depending on which plan you choose and which insurance company underwrites it. A typical plan might offer $100,000 in liability per person and $300,000 per accident, with a $500 or $1,000 deductible for collision and comprehensive. Some plans offer higher limits if you are willing to pay more per week.
What Good to Go does not cover includes damage that happens while you have an active ride or delivery (because the platform's coverage applies then), wear and tear or maintenance, medical payments to you as the driver, or uninsured motorist coverage in most cases. You should read the actual policy document to confirm what is and is not included, because the details vary by underwriter and plan.
How Good to Go layers with rideshare company coverage
Understanding how Good to Go works requires understanding the three layers of coverage that exist when you drive for a rideshare platform. The first layer is your personal auto insurance, which covers you when you are driving for personal reasons. The second layer is the rideshare company's coverage, which applies once you accept a ride. The third layer is Good to Go, which covers the gap in between.
When you have an active passenger in your car, Uber and Lyft provide liability coverage (usually $1 million per accident) and limited physical damage coverage. That coverage is primary, meaning it pays first. Good to Go would only explore if the rideshare company's coverage did not cover the specific situation — which is rare, because their coverage is quite broad once a ride is active.
The real value of Good to Go is in the waiting period. If you are in an accident while logged in but waiting for a request, Good to Go pays instead of your personal policy (which would deny the claim) or you (which would mean paying out of pocket). Once you accept a ride, Good to Go steps back and the rideshare company's coverage takes over.
What Good to Go costs and how to purchase it
Good to Go Insurance is sold through independent brokers and online platforms that specialize in gig economy coverage. You do not purchase it directly from an insurance company. The cost typically ranges from $10 to $30 per week, depending on your driving history, the state you drive in, the coverage limits you choose, and how many hours per week you are logged in.
Some platforms allow you to pause coverage during weeks when you are not driving, which can lower your annual cost. Others charge a flat weekly rate regardless of how much you actually drive. You should compare quotes from multiple brokers before purchasing, because the same underlying insurance product may be priced differently depending on which broker you go through.
Good to Go is optional — you are not required to carry it by law or by the rideshare platforms themselves. However, if you are in an accident during the waiting period and do not have it, you will be responsible for all costs. The decision to purchase should be based on your personal risk tolerance and how much you would lose if you had to pay for an accident out of pocket.
How to determine whether you actually need Good to Go
The first step is to contact your personal auto insurance company and ask them explicitly whether your policy covers you while you are logged into a rideshare app but waiting for a ride. Most will say no, but some policies have been updated to include limited coverage for this period. If your policy does cover it, you may not need Good to Go at all.
The second step is to calculate what you would owe if you were in an accident during the waiting period. If you were at fault in a moderate accident, you might owe $5,000 to $15,000 in repairs to the other person's vehicle, plus their medical bills and lost wages. If you caused serious injury, the liability could be much higher. Compare that potential cost against the weekly cost of Good to Go over a year. If Good to Go costs $20 per week, that is about $1,000 per year — a small price if it prevents you from owing $10,000 or more.
The third step is to review the specific coverage limits and deductibles that Good to Go offers. Make sure the liability limits are high enough to protect you in your state, and that the collision deductible is something you could actually afford to pay if you needed to file a claim. If the deductible is $1,000 and you do not have $1,000 in savings, a lower deductible might be worth the extra cost.
What happens if you are in an accident while using Good to Go
If you are in an accident during the waiting period and you have Good to Go coverage, you report the accident to the insurance company that underwrites your Good to Go policy, not to the rideshare platform. You will need to provide the same information you would for any accident claim: the other driver's information, photos of the damage, a police report if one was filed, and details about what happened.
The claims process typically takes two to four weeks. During that time, the insurance company will investigate, determine fault, and decide whether to pay. If you are found to be at fault, your claim will be paid subject to your deductible. If the other driver is found to be at fault, their insurance should pay, and Good to Go would only step in if their insurance denied the claim or did not have enough coverage.
One important detail: if you are in an accident and you were actually in the middle of a ride (meaning you had already accepted a passenger), you should report it to the rideshare company first, not to Good to Go. The rideshare company's coverage is primary in that situation, and they will handle the claim. Good to Go would only explore if the rideshare company's coverage was exhausted or did not explore for some reason.
Frequently Asked Questions
Does Uber or Lyft provide coverage while I am waiting for a ride?
No. Uber and Lyft only provide coverage once you accept a specific ride request. While you are logged in and waiting, you are not covered by their insurance. This is the gap that Good to Go is designed to fill. Your personal auto insurance also does not cover you during this time because it excludes commercial use.
Can I get Good to Go coverage if I have a poor driving record?
Yes, but it will cost more. Insurance companies that underwrite Good to Go do consider your driving history, and accidents or violations will increase your weekly premium. Some brokers specialize in coverage for drivers with less-than-perfect records, so if one broker quotes you a high price, try another.
Does Good to Go cover me if I am delivering for multiple platforms?
It depends on the specific policy. Some Good to Go plans cover you for any rideshare or delivery platform, while others are limited to specific platforms. When you get a quote, make sure to tell the broker which platforms you drive for so they can confirm the coverage applies to all of them.
What is the difference between Good to Go and commercial auto insurance?
Commercial auto insurance is a full business policy that covers all your driving for work purposes. Good to Go is narrower — it only covers the waiting period when you are logged in but do not have an active ride. Commercial auto insurance is more expensive but provides broader protection if you use your vehicle for multiple types of work.
If I have Good to Go, do I still need to tell my personal insurance company that I drive for rideshare?
Yes. You should always disclose to your personal insurance company that you drive for rideshare, even if you have Good to Go. Your personal policy may have specific exclusions or requirements related to commercial use, and failing to disclose could give them grounds to deny a claim for something unrelated to your rideshare driving.