Insurance Policy

GlideWay Ride Technologies

GlideWay Driver Insurance Requirements

Insurance requirements are mandatory for all GlideWay drivers. Every driver must maintain valid personal automobile insurance that satisfies applicable state requirements. Applicable commercial TNC coverage is provided in accordance with state law and the terms of the applicable insurance policy.

Requirements vary by state

Mandatory Requirement — Read Carefully

It is strictly prohibited to drive on the GlideWay platform without a valid personal auto insurance policy in your name. Driving while uninsured, with a lapsed policy, or with falsified insurance documents is grounds for immediate and permanent deactivation and may violate state law. Any applicable TNC coverage does not replace your required personal policy.

Insurance by Driving Period

Which insurance applies depends on your activity in the app and the laws of the state where you drive.

Period 1

App On — Waiting for a Request

You are online and available, but have not accepted a trip yet.

RequirementsPer state law

Coverage termsPer policy

Personal auto policyRequired

Applicable insurance requirements and coverage depend on state law and the terms of GlideWay's applicable TNC insurance program.

Period 2

Trip Accepted — En Route to Pickup

You have accepted a ride and are driving to the rider's location.

Commercial TNC coverageWhere applicable

Limits & deductiblesPer policy

State requirementsApply

Applicable commercial TNC coverage is provided in accordance with state requirements and the terms, conditions, limits, deductibles, exclusions, and eligibility provisions of the applicable policy.

Period 3

Rider On Board — Trip in Progress

The rider is in your vehicle until you complete the drop-off.

Commercial TNC coverageWhere applicable

Limits & deductiblesPer policy

Exclusions & eligibilityApply

Coverage during the trip is subject to state law and the terms, conditions, limits, deductibles, exclusions, and eligibility provisions of the applicable policy.

Period 0

App Off — Personal Use

When the GlideWay app is closed or you are offline, you are driving for personal reasons and your own personal automobile insurance policy applies. You must maintain valid personal coverage at all times as required by applicable law and GlideWay policy.

Requirements at a Glance

What governs insurance in each driving period.

Driving Period	What applies	Governed by
Period 0 — App Off	Your personal automobile insurance	Your personal policy & state law
Period 1 — Waiting	Coverage as required by state law	State law & applicable TNC program terms
Period 2 — En Route	Applicable commercial TNC coverage	State requirements & applicable policy
Period 3 — Rider On Board	Applicable commercial TNC coverage	State requirements & applicable policy

Specific limits, deductibles, exclusions, and eligibility provisions are defined by the applicable insurance policy and may vary by state.

What You Must Maintain

A valid personal auto insurance policy in your name
Coverage that meets or exceeds your state minimums
An active, non-expired policy at all times while driving
Insurance documents uploaded and verified in your profile

How Insurance Works on GlideWay

Which insurance applies depends on your driving period
Requirements and coverage vary by state
Any applicable TNC coverage never replaces your personal policy
Claims decisions are made by the insurer under the applicable policy

Questions? We've Got Answers

General answers to common insurance questions. The applicable policy always controls.

Third-party liability insurance covers injuries and property damage you may cause to other people — such as another driver, a passenger, or a pedestrian — in a covered accident. It does not pay for your own injuries or repairs to your own vehicle. Where applicable, commercial TNC liability coverage is provided in accordance with state law and the terms, conditions, limits, and exclusions of the applicable insurance policy.

These are general types of first-party coverage found in the insurance industry:

UM (Uninsured Motorist) — pays when an at-fault driver has no insurance.
UIM (Underinsured Motorist)— pays when the at-fault driver's limits are too low.
MedPay — covers medical bills regardless of who was at fault.
PIP (Personal Injury Protection) — covers medical costs and lost wages.
Occupational Accident — provides benefits for injuries sustained while driving.

Whether any of these apply depends on state law, your driving period, and the terms of the applicable insurance policy. Their inclusion here does not mean they are provided by GlideWay.

Contingent physical damage coverage generally applies only if you carry collision and comprehensive coverage on your own personal auto policy. Whether it is available on GlideWay, and any applicable limits and deductibles, depend on state law and the terms of the applicable insurance policy. We recommend speaking with your insurer about a rideshare policy or endorsement.

You must carry a valid personal auto insurance policy in your own namethat meets or exceeds your state's minimum coverage requirements. Because most personal policies do not cover you while driving for a rideshare platform, we strongly recommend adding a rideshare endorsement or purchasing a dedicated rideshare policy to help avoid gaps in your coverage.

Your insurance must be active and non-expired at all times while you drive. Whenever your policy renews, changes, or your documents are near expiry, upload the current documents in your driver profile. GlideWay will send reminders, but keeping your coverage verified is your responsibility — an expired policy will pause your ability to accept trips.

If it is an emergency, call 911 first. Then report the incident through the app or the Insurance section of your profile, and notify your personal auto insurer as your policy requires. GlideWay will review your report and, where applicable, help direct it to the appropriate insurer. Claims decisions are made by the insurer under the terms of the applicable policy.

Where applicable and once available, proof of GlideWay's TNC insurance will be provided through the Insurance section of your driver profile or by contacting support. It does not replace your own personal policy documents, which you must keep current in your profile.

Personal auto insurance covers everyday personal driving and typically excludes driving for hire. Commercial (or rideshare) insurance is designed for driving passengers for payment. Applicable commercial TNC coverage depends on state law and the terms of the applicable policy, and you must always maintain your own personal policy, including for when the app is off (Period 0).

Need to update your insurance?

Keep your policy current in your driver profile to stay eligible to drive.

Update Insurance Contact Support

Insurance coverage is subject to applicable law and the terms, conditions, limits, deductibles, exclusions, and eligibility requirements of the applicable insurance policy. Drivers remain responsible for maintaining all personal automobile insurance required by law and by GlideWay. This page is a general summary for informational purposes only and does not constitute an insurance contract or guarantee of coverage.