Insurance Coverage (Ride Assurance)

What HUM Covers and What Drivers Must Maintain

HUM provides commercial insurance coverage for eligible trips through its Ride Assurance program. This coverage is designed to protect passengers, drivers, and the public when a trip is properly conducted through the HUM Driver app.

This article explains:

When HUM’s insurance is active
What HUM’s insurance covers
What HUM’s insurance does not cover
What personal insurance covers
Driver responsibilities required to maintain eligibility

For insurance binders and documentation, visit:
www.humrideshare.com/insurance

1. When HUM’s Insurance Is Active

HUM’s commercial insurance (Ride Assurance) is active only when all of the following conditions are met:

The trip is started and ended inside the HUM Driver app.
The driver meets all HUM Driver Eligibility Requirements, including valid license, valid registration, and valid personal insurance without business-use exclusions.
The driver is operating a HUM-approved vehicle that meets all Vehicle Requirements.
The driver is not impaired, distracted, or violating HUM’s safety rules.
The driver is in full compliance with local, state, and federal TNC laws.

If any of the above conditions are not met, HUM’s insurance may not be active.

2. What HUM’s Insurance Covers

(applies only during active HUM trips)

HUM’s commercial coverage includes:

A. Liability Coverage

Coverage for bodily injury or property damage to other parties if the HUM driver is at fault.

This includes:

Injury to pedestrians, cyclists, or other motorists
Damage to other vehicles or property

B. Passenger Injury Coverage

Covers injuries sustained by passengers during a HUM trip.

C. Uninsured / Underinsured Motorist (UM/UIM) Protection

Covers driver and passengers if the at-fault party:

Has no insurance
Has insufficient insurance

D. Commercial Coverage for Private Rides

Private Rides (Manual Rides) are covered only if:

The ride is properly started and ended in the HUM Driver app
Driver meets all eligibility and compliance requirements

HUM does not provide coverage for Private Rides conducted outside the app.

3. What HUM’s Insurance Does Not Cover

HUM’s Ride Assurance does not cover:

Trips not started/ended in the HUM Driver app
“Cash trips” not logged in the app
Personal-use driving (offline from HUM)
Drivers with expired registration, expired insurance, or disqualifying MVR
Drivers under the influence of drugs or alcohol
Drivers violating HUM’s safety rules (e.g., distracted driving, prohibited behavior)
Vehicle damage not covered under HUM’s commercial policy
Loss or damage to a driver’s personal vehicle or property
Any driving outside the scope of HUM’s operating areas
Any driving that violates state TNC laws

Drivers are responsible for meeting all requirements necessary for HUM’s insurance to remain valid.

4. What Personal Auto Insurance Covers

(driver responsibility – separate from HUM coverage)

Drivers must maintain valid personal auto insurance at all times.

Personal insurance covers:

Personal-use driving
Non-commercial driving
Periods when the driver is not on a HUM trip
Damage to the driver’s vehicle if the policy includes comprehensive/collision
Personal property losses unrelated to HUM operations

Personal insurance does NOT cover HUM trips if the policy excludes commercial or TNC activity.

Many personal policies contain exclusions such as:

Livery exclusion
Rideshare/TNC exclusion
Business-use exclusion

Drivers must ensure their policy does not exclude rideshare or commercial use.

HUM requires personal insurance with minimum limits of:

$300,000 / $500,000 / $100,000
(bodily injury per person / bodily injury per accident / property damage)
or higher if state law requires.

5. Driver Responsibilities for Insurance Compliance

Drivers must:

Maintain valid personal insurance with no business-use exclusions.
Maintain valid, unexpired vehicle registration.
Start and end every HUM trip inside the HUM Driver app.
Operate only HUM-approved vehicles that meet all vehicle requirements.
Follow all HUM safety rules, including distracted driving and defensive driving policies.
Follow all local, state, and federal traffic laws.
Never conduct “off-app” or unlogged trips expecting HUM coverage.
Immediately report all accidents and incidents using the instructions in the Accidents & Incident Procedures article.

6. When Coverage May Be Denied

Coverage may be denied if:

The driver violated HUM’s safety rules.
The driver was under the influence of alcohol or drugs.
The driver failed to start/end the ride in the HUM app.
The driver was using a non-approved or unsafe vehicle.
The driver had expired insurance or registration.
The driver conducted a trip outside HUM’s rules.
The driver provided false or incomplete information during onboarding or in the claim.
The driver failed to follow the correct claims process.

Drivers are responsible for understanding and complying with all coverage conditions.

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