Do I Need Insurance To Drive For Uber?

Introduction

If you’re considering driving for Uber, you’re probably wondering if you need insurance to do so. The answer is yes, but the specifics depend on the type of insurance you need and the regulations in your state. This article will help you understand the types of insurance you need to drive for Uber and how to get it.

Personal Liability Insurance

The first type of insurance you’ll need is personal liability insurance. This is the same type of insurance that most people have as part of their auto insurance policy. It provides coverage for any damages you may cause to someone else’s property or person while you’re driving. It’s important to note that this type of insurance is not provided by Uber, so you’ll need to purchase it separately.

Commercial Liability Insurance

In addition to personal liability insurance, you’ll need to purchase commercial liability insurance if you plan on driving for Uber. This type of insurance provides coverage for any damages you may cause to someone else’s property while you’re driving for Uber. It also provides coverage for any medical expenses you may incur in the event of an accident. It’s important to note that this type of insurance is not provided by Uber, so you’ll need to purchase it separately.

Uninsured/Underinsured Motorist Coverage

Another type of insurance you’ll need to purchase is uninsured/underinsured motorist coverage. This type of insurance provides coverage for any damages you may incur if you’re involved in an accident with an uninsured or underinsured driver. It’s important to note that this type of insurance is not provided by Uber, so you’ll need to purchase it separately.

How to Get Insurance for Driving for Uber

Once you’ve determined the types of insurance you need, you’ll need to purchase it. The easiest way to do this is to contact your current auto insurance company and ask them about adding a rider to your policy for ridesharing. Most companies offer this option for an additional fee. If your current insurance company doesn’t offer this option, you can shop around for ridesharing insurance policies. There are many companies that specialize in providing insurance specifically for rideshare drivers.

Conclusion

As you can see, it’s important to have the right insurance when driving for Uber. Personal liability insurance, commercial liability insurance, and uninsured/underinsured motorist coverage are all necessary for ridesharing. You can purchase these types of insurance through your current auto insurance company or by shopping around for ridesharing insurance policies. No matter which option you choose, it’s important to make sure you have the right insurance for your needs.