Do You Need Special Insurance To Drive For Uber?

Background

Driving for Uber can be a great way to make some extra money, but many people wonder if they need special insurance to be able to do so. The answer is yes. Uber requires that all drivers have a valid driver’s license, registration, and insurance. This insurance must meet all of the requirements set by Uber. If a driver does not meet these requirements, they will not be allowed to drive for Uber.

Uber’s Requirements

Uber requires that all drivers have a valid driver’s license, registration, and insurance. The insurance must meet the requirements set by Uber. All drivers must have a personal auto insurance policy that meets the minimum coverage requirements in the state they are operating in. Additionally, the policy must list Uber as an additional insured, to ensure the driver is adequately covered.

Coverage Levels

The coverage levels required by Uber vary by state. Generally, the coverage must provide for bodily injury liability, property damage liability, uninsured motorist coverage, and personal injury protection coverage. Depending on the state, the liability coverage must provide for at least $50,000 per person, $100,000 per accident and $25,000 for property damage.

Special Insurance

In some states, Uber provides additional insurance coverage while the driver is on the clock. This coverage kicks in when the driver’s personal insurance does not provide adequate coverage. This coverage is provided at no cost to the driver and provides additional liability coverage in case of an accident.

Consequences

If a driver is found to be operating without adequate insurance coverage, they may be subject to penalties, fines and even having their license suspended. Additionally, they may be held personally liable for any injuries or damages caused during the course of their Uber driving.

Conclusion

Driving for Uber can be a great way to make some extra money, but it is important to be aware of the insurance requirements. All drivers must have a valid driver’s license, registration, and insurance that meets the requirements set by Uber. Without this coverage, drivers may be subject to penalties, fines, and even license suspension.