Can I Drive For Uber With Geico Insurance?

Getting into the gig economy can be an exciting and lucrative opportunity. Whether you’re looking to make some extra cash or turn it into a full-time job, becoming an Uber driver can be a great way to make money. But one of the biggest questions many potential drivers have is about the insurance requirements for being an Uber driver. Especially for those who have Geico insurance, the question of whether it’s possible to drive for Uber with Geico insurance often comes up.

Does Geico Cover Uber Drivers?

The short answer is that Geico does cover Uber drivers, but there are some restrictions. Geico’s ridesharing coverage provides liability and physical damage coverage, although the policy limits may be lower than they are for personal auto policies. Whether or not you’re covered by Geico will depend on the state you live in. Some states, like New York, don’t allow Geico to cover Uber drivers at all. Other states, like California, require all insurance companies to provide ridesharing coverage.

What Does Ridesharing Coverage Include?

Geico’s ridesharing coverage includes liability and physical damage coverage, although the limits of coverage may be lower than those on a personal auto policy. Liability coverage protects you if you’re found to be at fault for an accident and are sued by the other party. Physical damage coverage protects your vehicle if it’s damaged in an accident. Geico’s ridesharing coverage also includes uninsured and underinsured motorist coverage, which protects you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the cost of the accident.

Do I Need Special Insurance To Drive For Uber?

In some states, you may need to purchase a separate policy to cover you while you’re driving for Uber. In other states, your Geico policy may cover you while you’re driving for Uber. It’s important to check with your state’s insurance laws to make sure you’re in compliance with the law. It’s also important to make sure that your Geico policy is up to date and covers all the activities you’ll be performing as an Uber driver.

The Bottom Line

If you’re thinking of becoming an Uber driver and have Geico insurance, you may be able to use your existing coverage. However, it’s important to check with your state’s insurance laws to make sure you’re in compliance. You may need to purchase additional coverage or a separate policy to cover the activities you’ll be performing as an Uber driver. Geico’s ridesharing coverage can provide you with the coverage you need to drive for Uber with peace of mind.