Tell your insurer
Many personal auto policies exclude rideshare driving. Not disclosing it can put your personal policy at risk, even for trips you take off the clock.
HALEN / INSURANCE COVERAGE
Know what covers you
at every point in a trip.
Your coverage changes depending on what your Halen app is doing. Here is who covers what, from the moment you go online to the moment your rider steps out.
Coverage by trip stage.
Choose your state, then select a trip stage to see who covers you and the limits that apply.
Coverage by trip stage
Before your first trip.
A few minutes now can save you a denied claim later.
Ask about an endorsement
A rideshare endorsement can fill gaps, especially damage to your own car while you’re online and waiting for a request. It’s often an inexpensive add-on.
Keep comprehensive and collision
If you have a loan or lease, your lender likely requires it already. It’s what protects the vehicle you earn with.
Go online only when ready
Your app status is how coverage is determined. Being online while running personal errands blurs the line if something happens.
Driving with more than one app can put your claim at risk.
If you’re online with Halen and another rideshare app at the same time, an accident can leave you with no coverage at all. Each company’s insurer sees that you were online with the others, and overlapping policies can look like an attempt to collect on the same accident more than once. Your claim can be investigated, delayed, or denied.
Rideshare insurance policies also commonly exclude coverage while you’re performing services for another company. If another app has you on a trip or heading to a pickup, that company’s insurance applies, not Halen’s.
Be online with one app at a time, turn the other app fully off before you go online with Halen, and tell Halen about every app that was on if you file a claim. See Driving with More Than One App.
What isn’t covered.
These are common situations where Halen’s rideshare coverage does not apply. The full list of exclusions is in the policy.
| Situation | Why it isn’t covered |
|---|---|
| Someone else driving your car | Only you, as the approved Halen driver, are covered. If a friend or family member drives on your account, there’s no coverage. |
| A vehicle not approved by Halen | Coverage applies only to the vehicle registered and approved on your Halen account. |
| Driving with the app off | Personal driving is covered by your personal auto policy, not Halen’s. |
| Personal belongings | Your phone, mount, and other items in the car aren’t covered. Your renters or homeowners policy may cover them. |
| Working for another company | Halen’s coverage doesn’t apply while you’re driving for another app. Being online with other rideshare apps at the time of an accident can also lead to a denied claim. |
| False or misleading information | Misrepresenting what happened, or leaving out important facts, can void a claim. |
If you’re in an accident.
Get safe and call 911
If anyone is hurt or the vehicles block traffic, call 911 first. Check on your rider.
Exchange and document
Get the other driver’s details, take photos of the vehicles, scene, and plates, and get the police report number.
Don’t admit fault
Stick to the facts. Don’t discuss who’s to blame or agree to any payment at the scene.
Report it to Halen
Report it right away in the Halen Driver app or through support, even if no one seems hurt. Halen notifies our insurance carrier on your behalf.
Some coverages have strict reporting deadlines, so don’t wait. See If You’re in an Accident for the full steps.
What you pay for insurance.
You pay $199 per week for platform access plus $88 per week for commercial insurance, for $287 per week in total. There’s no commission on your fares, and 100% of every fare goes to you, minus third-party fees such as Stripe payment processing.
STRAIGHT ANSWERS
Coverage questions.
Does Halen’s insurance cover me when the app is off?
No. When you’re offline, you’re a personal driver and your personal auto policy applies. Halen’s coverage begins when you go online in the app.
Will my personal policy cover me while I’m online?
Usually not. Most personal policies exclude rideshare activity unless you’ve added a rideshare endorsement. That’s why Halen carries rideshare coverage for the time you’re online, and why we recommend checking with your insurer.
Is my own car covered if it’s damaged during a trip?
Coverage for damage to your own vehicle depends on your personal comprehensive and collision coverage and on the terms of Halen’s policy, including any deductible. Halen will share the details of vehicle damage coverage and deductibles with drivers before launch.
What if another driver hits me and doesn’t have insurance?
Uninsured and underinsured motorist coverage is part of rideshare coverage as required by Pennsylvania and New Jersey law. Report the accident to Halen right away and include the police report number.
Can I be online with other rideshare apps at the same time as Halen?
We strongly recommend against it. If you’re in an accident while online with more than one rideshare app, the insurers may see overlapping coverage and treat the claim as suspicious. Your claim can be delayed or denied. Be online with one app at a time.
Who covers injuries to me or my rider?
Rideshare liability coverage pays for injuries and damage you cause to others, including your rider. It does not pay your own medical bills or lost income. For your own injuries while you’re online with Halen, rideshare coverage includes first-party medical benefits in Pennsylvania and personal injury protection (PIP) in New Jersey, as state law requires, up to the policy limits. Your own health insurance may also help.
Who is Halen’s insurance carrier?
Halen will name its insurance carrier and post a certificate of insurance for each state on this page once the policy is in place.
What if a trip would take me outside Pennsylvania or New Jersey?
You’re covered for the whole trip as long as it starts in Halen’s operating area in Pennsylvania or New Jersey. For example, if you pick up a rider in Philadelphia and drop them off in Baltimore, Maryland, Halen’s coverage applies until your rider is out of the car. Once you drop off your rider outside our operating area, end the trip and log off the Halen app. From that point on, including your drive back, your personal auto policy applies.
Do I need to buy a commercial policy to drive with Halen?
No. Halen carries the rideshare coverage required for the time you’re online. You still need to keep your own personal auto insurance on your vehicle.
Who do I contact with a coverage question?
Contact Halen’s 24/7 in-app chat, which can connect you to a live phone call. We’ll answer your question or connect you with the right person on our insurance team.
About this page.
This page is a general summary for drivers and is not an insurance policy. Coverage is subject to the terms, conditions, limits, and exclusions of the actual policies, which control in the event of any difference. Limits shown are the minimums required for transportation network company drivers under Pennsylvania and New Jersey law.
Halen Technologies Inc. is not an insurance company and does not provide insurance advice. Talk to a licensed insurance professional about your personal coverage needs.
Last updated October 11, 2026.
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