Drivers, Taxes and Insurance

carGO is a transportation technology platform. Our drivers use their own cars to pick up riders, who use the app to request a ride. carGO is committed to safety and community. Our drivers go through a series of screenings, including background checks, personal interviews and training, and car safety inspections.

Drivers and riders are users of the carGO platform and are not employees of the company. As users of the community platform, drivers and riders are not entitled to benefits, worker's compensation, or unemployment insurance.

All drivers are independent contractors. No matter the type of income a driver is reporting, you are not considered a carGO employee. As such, carGO does not withhold any taxes from your payments and you are not required to provide carGO’s EIN (Employee Identification Number) on your tax return.

Will I get a 1099 from carGO?
  1. It depends on a number of factors
  2. Drivers who generated at least $20,000 in gross ride receipts from riders in the last year will receive a Form 1099-K.
  3. Drivers who earned at least $600 from activities other than driving (e.g., guaranteed bonuses, incentives) in the last year will receive a Form 1099-MISC.

Whether or not you receive a form, we will provide a summary report with your yearly driver stats including the number of rides, gross earnings from rides, non-ride earnings, and miles driven while in “On Duty” mode. We strongly suggest you speak with a tax professional to report all carGO-related activity appropriately.

Insurance can be complicated, but it’s important you understand how and when carGO policies cover drivers and your riders in the event of an incident. The following is an overview of how our insurance policies work. There are four coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a ride request until the time the ride has ended in the app).

  1. Contingent Liability (while in On Duty mode waiting for a ride request).
  2. Primary Automobile Liability.
  3. Contingent Comprehensive and Collision.
  4. Uninsured/Underinsured Motorist (UM/UIM).

There is one coverage included in our food and alcohol delivery insurance policies (unless otherwise noted, this coverage is in effect from the time you accept a food or alcohol delivery request until the time the delivery has ended in the app).

  1. Primary Automobile Liability

If you have an accident, experience an issue which threatens your safety, or receive a citation, take the appropriate steps to protect yourself. If necessary, call the authorities by dialing 911, and then end the Ride or Delivery on the Driver app.

In the event of an accident, provide your personal insurance information, as well as carGO's, to the officer filling out the report. After the report is complete, you will need to fill out a carGO Accident Report Form, which can be found on the online Driver Portal. On this form, you will provide trip details: your name, rider or delivery customer name, time of accident, what stage of the ride the accident occurred (if you were in a ride), and you will have the option to write a description and provide pictures of the accident.

We will contact you as soon as we receive your report.

Make sure you file a claim with your personal auto insurance provider, and provide proof of personal insurance to the relevant parties at the scene of an accident.

How does carGO's Rides liability coverage work?

When "On Duty" mode is off:

  • Your personal insurance policy is your insurance.

When "On Duty" mode is on, but not yet accepted a ride:

  • carGO provides Contingent Liability to protect you if your personal insurance doesn't.

When a ride request has been accepted and through the end of carGO ride:

  • Our primary liability insurance is designed to act as the primary coverage during the period from the time you accept a ride request until the time the ride has ended in the app. The policy has a $1,000,000 per accident limit. Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), carGO’s policy will continue to be excess to your insurance coverage.
How does contingent Rides liability coverage work?

Our contingent liability coverage is designed to provide coverage when the app is in “On Duty” mode before you’ve received a ride request in the event your personal insurance does not respond. The policy has a $50,000 maximum limit per person, $100,000 maximum limit per accident, and a $25,000 maximum limit for property damage. There is no deductible under this policy.

How does contingent Rides collision coverage work?

Our contingent collision coverage is designed to cover physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The policy has a $5,000 deductible and a $50,000 maximum for physical damage to your vehicle. Like any driver’s personal auto policy, this policy is designed to step in regardless of whether or not you’re at fault.

How does contingent Rides comprehensive coverage work?

Similar to our contingent collision coverage, our contingent comprehensive coverage is designed to cover physical damage to your vehicle resulting from a non-collision event (for example a fire, vandalism, a natural disaster, etc.) as long as you have obtained comprehensive coverage on your personal automobile policy. The policy has a $2,500 deductible and a $50,000 maximum for physical damage to your vehicle. Like any driver’s personal auto policy, this policy is designed to step in regardless of whether or not you’re at fault.

What does UM/UIM mean and how does this coverage work?

UM stands for uninsured motorist and UIM stands for underinsured motorist. In the event of an accident (once you have accepted a ride and are transporting a rider) with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you or your riders, our UM/UIM coverage will apply up to $1M per accident. There is no deductible on UM/UIM claims.

When do these Rides coverages apply?

It depends on the coverage. During the time the carGO app is on and available to accept a request (also known as “On Duty” mode), the contingent liability policy is in effect. The other three coverages are in effect beginning when you’ve accepted a ride request and are on your way to pick the rider up. They continue while you’re giving a ride and until you end the ride in the app.

How does carGO's Food and Alcohol liability coverage work?

When "On Duty" mode is off:

  • Your personal insurance policy is your insurance.

When "On Duty" mode is on, but not yet accepted a ride:

  • Your personal insurance policy is your insurance.

When a food or alcohol request has been accepted and through the end of carGO delivery:

  • Our primary liability insurance is designed to act as the primary coverage during the period from the time you accept a food or alcohol request until the time the ride has ended in the app. The policy has a $1,000,000 per accident limit. Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), carGO’s policy will continue to be excess to your insurance coverage.
carGO's Certificates of Insurance