Auto Insurance for Uber Drivers

AutoInsurance for Uber Drivers- we will start by asking, what is Uber? Actually, Uber is a ride hailing service, but it is also called the ride sharing. This service is usually competed with taxis and black car services. The system is passengers hail an uber from the application on their smart phone and arrange a car to pick them up. Usually, the cost is cheaper than the traditional taxi.

In the other words we can say that, Uber Driver is a job where you can sign up to drive for a service to get some extra money. That is why; this job can make any implications on your auto insurance. Are the Uber’s drivers can get an autoinsurance? We will find out more on the explanation below.

Becoming an Uber Driver can invalidate your Personal Auto Insurance Policy

Yes, an auto insurance policy is maybe will not provides coverage for you if you were becoming an Uber driver. List of exclusion is the reason why personal auto insurance does that. Usually, the “driving for hire” is included on the list. So, the best way is that having a consultation with your insurance company if you wanted to be an uber driver or the other similar services. You can ask them whether they are having the policy to cover this “commercial driving” or not.

How if an insurance company does not provides any auto insurance services for the commercial driving? If this case was happened to you, you can consider having the supplemental commercial auto insurance. However, though for some part time drivers, this is May not financially feasible.

When the app is on, Uber Provides some Auto Coverage

Usually, when the app was on, Uber requires all their drivers have auto insurance and provides the supplemental insurance coverage. However, you have to remember; this is only when the app is on. The system of how it works is when the uber app is off, the uber drivers are covered with their personal car insurance. Meanwhile, when the uber app is ON, the low level of liability insurance will be active. When a trip is already accepted by the sytem, the higher level of coverage kicks in and it will always active until the passengers exit from the car.

This is a new policy. Previously, uber only offers the coverage when the passengers are inside the car. However, the company then renewed the policy after some accidents that happened with any lawsuits.

In conclusion is that if you wanted to be an Uber Driving, the best way that you can do about the auto insurance is met your insurance company. You have to explain that you want to be a “driving for hire”. You can find out if you could get the commercial insurance and you can find out if you needed the commercial driving license. Just make sure that you get as clear as information, so you will get the best auto insurance coverage if you wanted to be an Uber Driver.