Does Uber Provide Auto Insurance?

What is Uber?

Uber is a ridesharing platform that allows customers to request rides from nearby drivers. It is one of the most popular ridesharing companies in the world, operating in over 600 cities worldwide. Uber is known for its convenience and affordability, but does Uber provide auto insurance for its drivers?

Uber Does Provide Auto Insurance

Yes, Uber does provide auto insurance for its drivers. Uber offers commercial auto insurance to its drivers, which is a type of auto insurance that provides coverage for vehicles used for business purposes. Specifically, Uber’s commercial auto insurance covers the driver’s vehicle for liability, uninsured/underinsured motorist, and physical damage coverage.

Uber’s Insurance Policy

Uber’s insurance policy is structured as follows:

• Liability Coverage: This covers up to $1 million dollars in coverage for bodily injury and property damage caused by an Uber driver while they are on the job.

• Uninsured/Underinsured Motorist Coverage: This covers up to $1 million dollars in coverage for bodily injury caused by an uninsured or underinsured driver.

• Physical Damage Coverage: This covers up to $50,000 dollars in coverage for the Uber driver’s vehicle if it is damaged while they are on the job.

Does Uber’s Insurance Cover Passengers?

Yes, Uber’s insurance policy does cover passengers. Uber’s liability coverage extends to passengers, so if a passenger is injured while riding with an Uber driver, Uber’s insurance policy will cover up to $1 million dollars in coverage for bodily injury and property damage.

What About Other Drivers?

Uber’s insurance policy also provides coverage for other drivers, cyclists, and pedestrians. If an Uber driver causes an accident that injures another driver, cyclist, or pedestrian, Uber’s liability coverage will extend up to $1 million dollars in coverage for bodily injury and property damage.

Conclusion

In conclusion, Uber does provide auto insurance for its drivers. Uber’s insurance policy provides up to $1 million dollars in coverage for bodily injury and property damage, and it also covers passengers, other drivers, cyclists, and pedestrians. If you are an Uber driver and you are involved in an accident, you can rest assured that you will be covered by Uber’s insurance policy.