If you’re thinking about driving for Uber, you might be wondering if you need special insurance. The answer is: it depends. In this blog post, we will explore the different insurance options available to Uber drivers, so that you can make the best decision for you and your family.
What types of insurance does Uber offer?
Uber offers two types of insurance coverage: contingent liability coverage and uninsured/underinsured motorist bodily injury coverage. Contingent liability coverage applies when a driver is logged into the Uber app and is available to accept trips, but does not have a passenger in the vehicle. This coverage includes $50,000/$100,000/$25,000 for bodily injury, $50,000 for property damage, and $1,000 for PIP (personal injury protection). Uninsured/underinsured motorist bodily injury coverage applies when a driver has a passenger in the vehicle. This coverage includes $1,000,000 per occurrence for bodily injury.
What other companies offer ridesharing insurance?
Other companies that offer ridesharing insurance include Lyft, Sidecar, and Wingz. Each company has its own specific requirements, but generally speaking, you’ll need to have your own personal auto insurance policy in addition to the ridesharing company’s insurance.
The bottom line is that you should check with your ridesharing company to find out what their requirements are and make sure you’re adequately covered.
How much does Uber insurance cost?
If you’re thinking about driving for Uber, you might be wondering if you need to purchase special insurance. The answer is maybe. It depends on what kind of insurance you currently have and what coverage your personal policy provides.
Most personal auto insurance policies will not cover you when you are using your vehicle for commercial purposes, such as driving for Uber. You will need to purchase a commercial auto insurance policy if you want to be covered while driving for Uber.
Commercial auto insurance policies can vary in price, but they are typically more expensive than personal auto insurance policies. However, they will provide you with the coverage you need to protect yourself and your vehicle while driving for Uber.
How do I file an insurance claim with Uber?
If you get into an accident while driving for Uber, you will need to file an insurance claim. The first step is to file a police report if the accident was serious. Then, you will need to contact your personal insurance company to start the claims process. If you have collision coverage, your insurance will pay for the repairs to your vehicle. If you do not have collision coverage, Uber’s insurance will cover the repairs up to $1,000. You will also need to submit a claim form to Uber’s insurance company.
Is Uber a safe way to travel?
Whether or not driving for Uber is safe depends on a number of factors. First and foremost, it is important to remember that you are essentially operating as a taxi service, and so you are responsible for your passengers’ safety. This means being a responsible driver and obeying all traffic laws. Additionally, you should make sure your car is in good condition and that you have proper insurance coverage.
While Uber does provide some insurance coverage for drivers, it is important to remember that this may not be enough. If you are involved in an accident while driving for Uber, your personal auto insurance policy may not cover the damage. For this reason, it is important to speak with your insurance agent to make sure you have the appropriate coverage in place before getting behind the wheel.
Conclusion
It is important to note that you will need special insurance to drive for Uber. This is because your personal auto insurance will not cover you while you are working as a driver for Uber. You can purchase this insurance through Uber or through a third party provider. Make sure you are properly insured before you start driving for Uber so that you are covered in the event of an accident.