Insurance & Compliance
Personal auto insurance is written for personal driving. The moment you're paid to carry someone, most personal policies treat it as commercial use — and exclude it. That means if you have an accident while driving a paying client on a personal policy, your insurer can deny the claim and leave you personally on the hook.
This is the gap that catches a lot of drivers off guard. It isn't about how good a driver you are. It's about what your policy is built to cover.
To carry private clients legally on your own, you'd typically buy a commercial or livery auto policy. Those vary a lot by state, vehicle, and driving history, but they often run several hundred dollars per month — and you pay it whether you drive five rides or fifty.
On your own
Buy a commercial policy
On HUM
Coverage is priced by the mile
A standalone commercial policy is a fixed monthly premium whether you drive or not. Ride Assurance is priced per mile, so a slow month costs you less. Your coverage scales with your work instead of running ahead of it. See your state's rate.
Costs vary — get a quote for your own situation before comparing.
HUM carries the commercial policy so you don't have to. When you log a ride in the HUM app, that trip is covered under HUM's commercial auto policy through Ride Assurance, priced per mile on the rides you log at a rate set by your state and built into the fare your passenger pays. You don't buy or manage a separate commercial policy to drive on the platform.
Coverage follows the ride from the moment you're en route to your passenger through drop-off, with protection that scales as the trip progresses. The practical version: log the ride, and it's covered.
No. Keep your personal policy — it covers you when the app is off. HUM's commercial coverage applies to the rides you log in the app.
No. Rides logged in the HUM app are covered under HUM's commercial auto policy, so you don't buy or manage your own commercial policy for them.
HUM carries the commercial insurance and operating authority that for-hire driving requires. Logging the ride in the app is what makes it both covered and compliant.
Bring them into the app. An off-app commercial ride runs on your personal auto policy, which excludes paying passengers, so there's no coverage, no record, and real personal exposure if something goes wrong. That's what HUM is for: log the trip in the app and it becomes a legitimate, covered ride.
It varies widely by state, vehicle, and driving history, but commercial or livery policies often run several hundred dollars per month. On HUM it's included in your subscription instead.