Do You Need Insurance To Drive For Uber?

Driving for Uber can be a great way to make money on the side, but it does come with certain risks. As an Uber driver, you need to make sure that you are adequately covered in the event of an accident, or if someone sues you for any reason. This is why it's important to know whether or not you need insurance to drive for Uber.

Understanding Uber Insurance Requirements

Uber requires all its drivers to have insurance, and they provide some of this coverage through their own insurance policy. This policy provides coverage for personal injury, property damage, and uninsured and underinsured motorist bodily injury. However, it only applies when you are logged into the Uber app and have accepted a ride request. If you are logged off, or haven't accepted a ride request, then this policy does not cover you.

In addition to the coverage provided by Uber, you also need to have your own personal insurance policy. This is where things can get a bit tricky, as not all insurers provide coverage for Uber drivers. Before you sign up to be an Uber driver, make sure to check with your current insurer to see if they offer coverage for Uber drivers. If not, you will need to either switch to a different insurer or purchase a commercial policy.

What If You Don't Have Insurance?

If you don't have insurance, you won't be able to drive for Uber. This is because Uber requires all its drivers to have insurance before they can start driving. If you don't have insurance, you can either switch to an insurer that offers coverage for Uber drivers or purchase a commercial policy. It's important to note that the cost of a commercial policy will likely be significantly higher than a personal insurance policy, so it's best to check with your current insurer first before making the switch.

The Bottom Line

Driving for Uber is a great way to make money on the side, but it does come with certain risks. This is why it's important to make sure you have the right insurance coverage before you start driving. Uber requires all its drivers to have insurance, and they provide some of this coverage through their own insurance policy. In addition to this, you will also need to have your own personal insurance policy. If you don't have insurance, you won't be able to drive for Uber. So make sure to check with your current insurer to see if they offer coverage for Uber drivers before you start driving.