What Kind Of Insurance Do Uber Drivers Need?

Insurance Blog

If you are an Uber driver, you know that anything can happen on the job. You need the best protection for your car, especially when you are transporting others all day.

These are the different types of insurance coverage options you should add to your policy if you are driving for a rideshare company.

Liability Coverage

In most states, liability coverage is a requirement. Each insurance company may have different rules regarding when you are "on the clock" with a rideshare app. You need to make sure that you have liability insurance even when you are working for Uber or Lyft.

Liability coverage is there to cover others when you are the cause of an accident. For instance, you may rear-end somebody, and the accident is blamed on you. Your insurance company covers the damage to the other vehicle as well as the medical bills of the other party involved. It does not cover you or your vehicle.

Uninsured Motorist Coverage

Often, accidents occur that are caused by somebody who is not following the law. They may not have the proper liability coverage to ensure that you are protected. If you have uninsured or underinsured motorist coverage, your injuries and damages may be covered, even if the other driver is not doing what they are supposed to do. When you have passengers in your vehicle, covering all your bases is important to avoid accusations of personal liability.

Collision Coverage

You also have the ability to cover damage to your own car if you have collision coverage. Make sure that you have a policy that covers damage to your vehicle, even if you are the person deemed at fault for an accident. When you use your vehicle for work, you do not want to be out of a job because of this accident.

Comprehensive Coverage

Since you use your vehicle for work, you also want to protect it when it is not in motion. You don't want to walk out of your home for work to see that your vehicle has been vandalized and you won't be able to use it for work. Comprehensive coverage protects your car when it is parked so that you don't miss out on work.

Need Insurance? Talk to a Professional

Things can get confusing when you use your car to make money. You want to make sure that you are covered in everything you do. Call an insurance agent to learn more about Uber driver insurance.


7 September 2021

Preparing for the Future

Ten years ago, I married my best friend in a beautiful, intimate ceremony. My husband and I have been nearly inseparable and we’ve enjoyed this special time in our lives where it has been just the two of us. However, we’re finally ready to have a baby. Because I only work part-time, my husband is the primary financial provider in the family. If something ever happened to him, I wouldn’t be able to instantly support myself and a child. Because my husband worries about an uncertain future, he is considering purchasing a larger life insurance policy. On this blog, I hope you will discover the best types of life insurance policies for young parents to invest in. Enjoy!