Commercial Insurance Assistance for Rideshare & Delivery Drivers

Operating a vehicle for commercial rideshare or delivery purposes requires insurance that is appropriate for that use. Personal auto insurance policies may exclude rideshare and delivery activities unless appropriate coverage or endorsements are in place.

AK & Sons helps drivers navigate commercial insurance requirements and obtain coverage appropriate for their intended business activities through our approved insurance providers.

Commercial insurance is a mandatory requirement under the AK & Sons standard vehicle lease. Drivers may not operate a leased vehicle without maintaining the required insurance coverage.

Insurance is obtained through AK & Sons's approved insurance provider and is paid as an additional daily amount on top of your lease rate.

Your actual insurance rate may vary based on your driving record, coverage terms, and other eligibility factors. The figures above are estimates for planning purposes.

AK & Sons helps drivers obtain commercial insurance appropriate for rideshare and delivery activities, including work on the following platforms:

• Uber — rideshare transportation
• Lyft — rideshare transportation
• DoorDash — food and goods delivery
• Instacart — grocery delivery
• Amazon Flex — package delivery
• Other eligible rideshare and delivery platforms

Important: Whether a specific platform or delivery activity is covered under a given policy depends on the actual insurance policy, the driver's eligibility, and the permitted uses described in that policy. AK & Sons does not guarantee that every platform or delivery activity is covered under every policy. Drivers should review their insurance documents carefully and direct coverage questions to the applicable insurance provider.

Under the standard lease agreement, drivers may be responsible for a $500 contractual deductible obligation when an applicable insurance claim arises. The circumstances in which this amount applies are governed by the signed lease agreement and applicable law. This contractual amount should not be confused with any deductible specified in the underlying insurance policy.

Drivers should plan for this potential expense as part of their overall financial preparation.

If you are involved in an accident while operating a leased vehicle, you are required to take the following steps:

1. Prioritize safety. Ensure the safety of all parties and contact emergency services when necessary.
2. Notify AK & Sons promptly. Do not delay reporting. Contact AK & Sons as soon as practicable following any accident.
3. Contact police and obtain a report. Contact law enforcement and obtain a police report or report number as required by the lease and applicable law.
4. Document the scene. Obtain photographs of the vehicles, damage, and accident scene when it is safe to do so.
5. Cooperate with the claims process. Provide accurate information and cooperate fully with AK & Sons and the applicable insurance provider throughout the claims process.
6. Communicate carefully. Avoid speculative statements about fault or insurance coverage. Provide truthful information to police, insurers, and other authorized parties.

Failure to report an accident promptly may affect your insurance claim and your standing under the lease agreement.

AK & Sons coordinates with its approved insurance provider to support the claims process. Drivers are expected to cooperate fully with all claims-related requests, including providing documentation, statements, and access to the vehicle as required.

AK & Sons helps drivers obtain appropriate commercial insurance through approved insurance providers. We assist with the process of obtaining coverage and coordinate insurance requirements as part of our driver-support services.

AK & Sons is not an insurance carrier and does not underwrite insurance policies. The insurance coverage obtained through our approved provider is governed by the terms of the applicable insurance policy, not by AK & Sons.

Coverage details, limits, exclusions, and eligibility requirements are determined by the insurance policy itself. Drivers should read their insurance documents and direct policy questions to the applicable insurance provider.

The insurance obtained through AK & Sons's approved provider is intended to be appropriate for commercial rideshare and delivery use. However:

• Coverage depends on the specific terms of the applicable insurance policy.
• Not every platform or delivery activity may be covered under every policy.
• Eligibility requirements may affect the coverage available to individual drivers.
• Permitted vehicle uses are defined by the policy, not by AK & Sons.

Drivers are responsible for understanding the coverage they have obtained and ensuring their activities are consistent with their policy terms.

• Lease Education: Know Your Agreement — Understand your lease obligations, including insurance requirements and your contractual deductible obligation.
• Financial Planning for Rideshare Drivers — Plan for your combined lease and insurance costs as part of your overall business expenses.
• Safety & Maintenance Guide — Accident reporting procedures and vehicle safety requirements.
• Driver Certification Program — The certification program covers insurance responsibilities as part of your required training.

Contact AK & Sons for assistance with insurance arrangements and lease obligations. Questions concerning policy coverage, exclusions, and claim determinations should be directed to the applicable insurance provider.

This educational guide is provided for informational purposes. Your signed lease agreement, the applicable insurance policy, and applicable law govern your actual rights and obligations.