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Will Scoop impact my personal auto insurance?

  • Updated

Under our Terms of Use, we require that drivers have a valid insurance policy that covers their use of Scoop, including coverage for carpool riders.

Auto insurance policies typically allow not-for-profit, share-the-expense carpooling. Scoop is designed to help riders and drivers share the cost of carpooling. It’s not designed to allow a driver to make a profit or to earn a salary. Reimbursements to the driver by the rider will always be less or equal to the cost of the particular drive, taking into account factors such as gas, wear and tear, and vehicle depreciation. Scoop is not a transportation network company (“TNC”) or a rideshare company, which require additional insurance coverage.

What to check for in your own insurance policy

If you’re a driver, review your personal auto policy to confirm that your insurance covers carpooling. Unsure what to look for? We pulled the carpooling language from a handful of standard auto insurance policies to make it easier to review your own policy. Typically, policies have an exclusion denying coverage when a policyholder is driving for hire, but the policy will state that the exclusion does not apply to shared expense carpooling.

Note: Individual policies differ based on a variety of factors, so drivers should review their own policies to confirm coverage before using Scoop. 

AAA

This coverage does not apply to liability for bodily injury or property damage arising out of the ownership, maintenance or use of a vehicle when used to carry persons or property for a charge. This exclusion does not apply to shared-expense car pools. 

Allstate

This exclusion does not apply to shared-expense car pools. 

Esurance

For that insured’s liability arising out of the ownership or operation of any vehicle while it is used as a public or livery conveyance, or used to carry property for compensation or a fee. This exclusion applies to, but is not limited to, the delivery of magazines, newspapers, food, or any other products. However, this exclusion does not apply to shared-expense car pools. 

Farmers

This coverage does not apply to bodily injury or property damage arising out of the ownership, maintenance or use of a vehicle while used to carry persons or property for a charge. This exclusion does not apply to shared-expense car pools.

Geico

Section I does not apply to any vehicle used to carry passengers or goods for hire. However, a vehicle used in an ordinary car pool on a ride sharing or cost sharing basis is covered. 

Liberty Mutual

With respect to coverage for bodily injury, insured does not include any person who sustains bodily injury while your covered auto is being used as a public or livery conveyance. This exception does not apply to a share-the-expense car pool.

MetLife

We do not cover bodily injury or property damage caused by or resulting from an auto while it is being used to carry persons for a charge. This exclusion does not apply while the auto is being used in a shared expense car pool.

Metromile

Coverage will not apply to any insured person for bodily injury or property damage arising out of the ownership, maintenance, or use of any vehicle or trailer while being used to carry persons or property for compensation or a fee. This exclusion does not apply to shared-expense car pools. 

Progressive

Our duty to defend will not apply to any insured person for bodily injury or property damage arising out of the ownership, maintenance or use of any vehicle or trailer while being used to carry persons or property for compensation or a fee. This exclusion does not apply to shared-expense car pools.

Tesla Insurance 

We do not provide liability coverage, including our duty to defend, for that insured’s liability arising out of the ownership or operation of a vehicle while it is being used to carry persons or property for a fee or compensation. This exclusion does not apply to motor vehicles used in shared-expense car pools or while the vehicle is used in the course of volunteer work for a tax-exempt organization. 

Travelers

We do not provide Liability Coverages for any person’s liability arising out of the ownership or operation of a vehicle while it is being used to carry persons or property for a fee. This exclusion does not apply to a share-the-expense car pool. 

USAA

We do not provide benefits under this Part for any covered person[...]sustained while occupying your covered auto when it is being used to carry persons for a fee. This exclusion does not apply to a share-the-expense car pool.

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