There are smart things all Uber drivers can do in order to help their riders feel safe, such as:

  • keeping the radio on a moderate volume, or off
  • setting calls to vibrate, so that you do not need to use your hands to decline them
  • asking passengers to fasten their safety belts, and whether they are comfortable

Still, no matter how careful you are, car accidents in ride-sharing programs are just as probable as other accidents.

Driving your car for Uber is considered a commercial practice, and your personal insurance likely will not cover commercial activities. Uber, therefore, requires drivers to maintain personal insurance policies while also covering their drivers within their own insurance program. Before you engage the Uber app or in between Uber shifts, you need to have your own insurance in place.

Rideshare car insurance programs, offered by traditional insurance companies, provide a safeguard for any grey area between your insurance and Uber’s coverage. They break the coverage into phases:

  • Period 0: App is off. Your personal policy covers you. Your Uber car is your own car at this time. You might be driving to your regular job, or picking your kids up from school.
  • Period 1: App is on, you’re waiting for a ride request. A personal policy without ridesharing coverage doesn’t cover you. Uber insurance is likely limited to liability coverage.
  • Period 2: You have accepted a ride request, and you’re on your way to pick up a passenger. Uber’s policy is in full force.
  • Period 3: Uber riders are in the car. Uber’s policy is in full force.

Here is what you need to know about insurance as an Uber driver

To be an Uber driver, you must maintain automobile liability insurance on all vehicles you operate while driving for Uber with insurance limits equal to or greater than the minimum requirements for the state where you drive. Uber also has its own insurance that goes into effect even before passengers arrive at your car, from the time you begin work (literally, from the time you click “Go” on the Uber app). Uber maintains automobile liability coverage on your behalf in amounts of at least:

  • $50,000 for the driver’s liability for bodily injury per person case of a covered accident
  • $100,000 per covered accident
  • $25,000 for property damage for which you are responsible for in a covered accident
 The purpose of Uber’s insurance is to provide coverage in the event your coverage limits are less than these amounts, or if for some reason your insurance does not provide coverage.  Uber’s coverage also includes personal injury protection and/or uninsured/underinsured motorist coverage if it is required by law in the state in which you drive.

Uber Covers You En Route and Once Once You Have A Rider

Uber covers third-party liability insurance, uninsured or underinsured motorist bodily injury coverage, and contingent comprehensive and collision coverage.

According to Uber’s website, “As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber’s insurance will kick in and provide physical damage coverage for your car up to its actual cash value, regardless of who is at fault. There is a $1,000 deductible that you must pay first before this coverage applies.”

If you are submitted while using the Uber app as a driver, you don’t need to file a claim with your personal auto policy. You can submit a claim directly from the Uber app or by contacting their support team. It is important to note that Uber is a global company, and has insurance programmatic to each jurisdiction within which it works. For example, in the UK it provides third-party partner insurance. In the US, it might cover personal injury insurance only if your state requires it.

Seeking Compensation Following an Uber Accident

After an Uber accident, you may need hospital care, physical therapy, medication, and more. Many of our clients are unable to work or get themselves to and from appointments due to loss or damage to their car. Additionally, the emotional distress you can sustain from an incident like this can further add to your stressful situation.

Thankfully, you have options. At the DRG Law Firm, we go above and beyond for our clients. We review all of our cases carefully to help our clients sue for any losses they may have sustained. You deserve compensation and peace of mind! Contact us today at 888-413-8353 to schedule a complimentary consultation with our expert personal injury attorney.