Many people are putting their vehicles to work for them by driving for Uber, either as a ride share driver or delivering food for Uber Eats. If you want to work for Uber, you may be wondering what kind of insurance is required to be in compliance with both Uber's guidelines and with local laws. What kind of insurance do you need to drive for Uber? You can find out more about Uber's driver requirements by contacting driver support here, and below is an outline of the insurance needed to be a ride share driver.
While a driver is logged into the Uber app, the company maintains liability insurance on its drivers. Uber requires that the vehicle be insured privately as well, following the laws of the state where the driver resides. The insurance Uber maintains is only active while the driver is logged into the app and actively seeking a rider. Uber's liability differs depending on whether the driver is en route to pick someone up, or if they have already picked up the rider.
If you are on your way to pick up a rider, Uber provides the coverage outlined below. Coverage is in addition to your primary insurance policy, and includes:
Once the rider is in your vehicle, the coverage is different. When transporting someone, your coverage through Uber includes:
For those who do not transport people, but deliver food or other items, Uber also has insurance coverage for these workers. This includes:
When waiting for an order, the driver has the additional coverage to their primary policy supplied by Uber. This includes:
When en route to pick up the order, and while delivering it, Uber provides third-party liability of $1,000,000 and, comprehensive and collision, with a $2,500 deductible, up to the actual value of the vehicle.
The insurance Uber provides is only valid while the driver is logged into the app and actively working to pick up a ride share or delivery. For more information on Uber requirements, contact driver support here.
After thousands of Uber customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together What Kind of Insurance Do I Need to Drive for Uber? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Uber if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
GetHuman has been working for over 10 years on sourcing information about big organizations like Uber in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What Kind of Insurance Do I Need to Drive for Uber? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.
Want to talk to a real person right now who can compare TV, Internet, or phone packages in your area from different companies? Our service tracks the best deals from the various providers in your home area.Call Now: 888-379-2546Our concierge is unaffiliated and therefore able to compare deals across many companies