Does Uber Cover Your Car Insurance?

The Basics

Uber, the popular ride share service, has been around for years now, and it has become a popular way for many people to make a living. But one thing that some drivers may not know is whether or not Uber covers their car insurance. The answer is yes, they do, but only while you are actively driving with Uber. This means that if you are not actively driving with Uber, then your car insurance will not be covered.

Uber does provide some coverage for drivers who are using their app. This coverage includes a few different types of coverage, such as liability coverage and uninsured/underinsured motorist coverage. This coverage is designed to help protect drivers from financial losses if they are involved in an accident while driving for Uber. It is important to note, however, that this coverage does not extend to your personal car insurance policy.

What Does Uber Insurance Cover?

Uber provides liability coverage that is designed to cover bodily injury or property damage to third parties in the event of an accident. This coverage is provided up to a certain amount, which is typically determined by the state in which you are driving. In addition, Uber also provides uninsured/underinsured motorist coverage up to certain limits. This coverage is designed to protect you in the event that you are involved in an accident with another driver who does not have insurance or has insufficient insurance coverage.

It is important to note, however, that the coverage provided by Uber is only applicable while you are actively driving with Uber. As soon as you log out and are no longer actively driving for Uber, the coverage ends. This means that if you are involved in an accident while not using the Uber app, then your personal car insurance policy will be the one that is responsible for paying for any damages.

What Does My Personal Car Insurance Cover?

Your personal car insurance policy will typically provide coverage for any damages that you may incur while driving for Uber. This coverage may include liability coverage, which covers any bodily injury or property damage to third parties in the event of an accident. It may also include comprehensive coverage, which covers any damages to your car that may occur due to a non-accident, such as theft or weather-related damage. Your personal car insurance policy may also provide collision coverage, which covers any damages to your car that may occur due to an accident.

It is important to note, however, that your personal car insurance policy may not cover any medical expenses that you may incur as a result of an accident. Your personal car insurance policy may also not cover any damages to your car that may be caused by an uninsured or underinsured driver. In these cases, it is important to contact Uber to determine whether or not you are eligible for any coverage under Uber's insurance policy.

Conclusion

In conclusion, Uber does provide some coverage for drivers who are using their app. This coverage includes liability coverage and uninsured/underinsured motorist coverage. It is important to note, however, that this coverage does not extend to your personal car insurance policy. Your personal car insurance policy will typically provide coverage for any damages that you may incur while driving for Uber, but it may not cover any medical expenses or damages caused by an uninsured or underinsured driver. If you are unsure of what type of coverage you are eligible for, it is important to contact Uber to determine what coverage is available.