Was planning on driving for Uber and Lyft ????

I was planning to start driving for Uber and Lyft for about 5 hours per day starting at the beginning of the year. My insurance agent who is sharp and have been with him for a long time told me that Safeco would drop me and that he would have to get me in another company and my rare would double with a commercial override plus the bundle he created for me would be broken up .Im a bit bummed out and it is back to the drawing board.> any feedback would be appreciated.....He explained that their would be a couple of gaps when the policy shifted over to Uber or Lyft and that I would have periods where my coverage would be minimal.

You can buy a "gap" policy from most companies that runs about $400 a year. These services only provide liability so the gap insurance will cover your collision. If you have a loan, you'll need to make sure you have collision 100% of the time. I'm not familiar with Safeco, but there are many companies you can work with. Talk to Uber or Lyft. They do this for a living.
Don't be married to any agent. You are just a piggy back to them.

My Muslim buddy who is 25,drives for Uber and I never heard him complain about his insurance coverage at all.
Uber can be a difficult company to drive for,no question.
There have been problems with passengers!He deals with a LOT of drunken passengers.

I don't see any problems,unless my buddy never explained his insurance issues to me.

If you qualify to be a driver,your insurance guy would be the GO-TO guy,first.
Go to the UBER site and see what issues there may be. Get onto the blog.
You Tube is another good source of information.

https://www.youtube.com/results?search_query=drive+for+uber+or+lyft+
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You may need to change agents if he/she cannot understand your situation.
The agent may not be up to date on this new idea,totally.

Look about a little bit more,please.

It's a great way to get some extra income,in YOUR spare time.
I have taken Uber multiple times in Seattle and Las Vegas and the experience has been great!
Multiple forum members will back me up on that topic.

If you are mellow(suggested) and have no traffic violations,you are IN!
Not for me,because I hate to drive in this shitty traffic.
I'm surprised that your agent is causing (this question to be asked and so much) uncertainty for you in this new idea.
Could this new idea be considered as a car pool insurance rider/modification?

Thank you Dave. If your buddy gets drunks in Seattle just imagine what Las Vegas will be like! My agent and i had a half hour talk and he hipped me to the situation . Here it will not be if someone vomits in the car but when!
A appreciate you input.

thank you for your reply. This agent has done right for me over the years and while he makes his money his council has been wise and accurate and have benefitted from the relationship not that I am sticking up for him but him and his wife have been good to me and my friends as well.

Insurance is a problem. Some drivers just ignore it, but your collision policy almost certainly will not be in effect while driving for hire. As part of your loan agreement calls for you to maintain collision insurance at all times, you are in breach of contract if you don't buy the gap insurance.
If you are afraid of drunks, consider driving for uber eats.

I have friends who do both uber and Lyft part time. Lyft pays better and allows for tips....but more passengers use Uber so that's the majority of their work.

The math is tricky. You add up all your income and then subtract gas, insurance, maintenance, vehicle depreciation.
For most drivers it will equate to a slightly better than minimum wage income with the advantage of choosing your own hours.

I thought how it works is Uber's insurance takes over whenever you have a passenger. That is what their website says as well.

Liability only.
If you have a car loan, you need collision. It's about $400 a year. Nothing if you do it full time, a burden if you do it part time.

I'd suggest he find a personal insurance company that is ride-share compatible knowing it is just collision they are on the hook for. Perhaps, find one that offers an endorsement. In my state moving to a commercial policy would be much more expensive. I had one for several years and on a perfect driving record, it was about 2k a year to insure an F-150 with 300k liability with $1000 deductibles on comp and collision. The last year I had the truck, I moved to Progressive because I found coverage there for $1,200 a year. Then I had to get commercial plates which were more expensive than regular passenger plates. Also, my car insurance company for my personal auto specified the Truck had to be owned by a business entity because if it were titled by me my personal auto would be on the hook for it even if it weren't listed on the personal policy. If you get forced into something like that, it would be very cost prohibitive for a part-time gig, but I suspect there are companies that specialize in this type of coverage.