Most policies exclude driving a personal vehicle for business purposes. Many companies will cancel your policy if they discover you’re doing this.

“People need to be aware that if they do any kind of side gig — pizza delivery, messenger or ride-share driver — they need to make sure they’re covered, because if you’re in an accident, you might be on the hook for everything,” Gusner said.

Talk to your insurance company about getting an “endorsement” to your policy for that business driving. Ride-share drivers — such as Lyft and Uber — have good coverage from the ride-share company when they have a customer in the vehicle. It’s when they’re driving around waiting for the next rider that they’re at risk. The added coverage provided by a business use endorsement is reasonable, typically $10 to $20 a month.

Let someone drive your car, and your insurance will pay if they have an accident

The general rule is: Auto insurance follows the car, not the driver.

“If you loan your car to someone else, you’re essentially loaning them your car as well as your insurance, in most cases,” said Eric Madia, vice president of product design at Esurance.

So unless it’s an emergency, or you’ve been drinking, you need to think about the insurance implications of letting someone else get behind the wheel of your vehicle.