Does my auto insurance cover me when driving for Uber or Uber Eats.
If you're working as a delivery driver for Uber Eats or Uber rideshare, you may be wondering if your personal auto insurance policy covers you while you're working. The answer is similar whether you are driving for Uber as a rideshare driver or an Uber Eats driver: your personal auto insurance policy may not cover you while you're driving for a commercial purpose like delivering food for Uber Eats.
Here's what you need to know about insurance coverage as an Uber Eats or Uber rideshare driver.
Personal Auto Insurance
Your personal auto insurance policy is typically designed to cover you when you're driving your personal vehicle for personal use. However, if you're driving for a commercial purpose like delivering food for Uber Eats, your personal auto insurance policy may not provide coverage.
If you're caught driving for a commercial purpose without the proper insurance coverage, you could face serious consequences, including fines, loss of your driver's license, and potentially have your claims denied.
Uber Eats and Uber rideshare typically provide Auto Insurance Coverage.
Fortunately, Uber Eats and Uber rideshare typically provide some auto insurance coverage for drivers while they're working. The coverage provided by Uber Eats can vary depending on the stage of the delivery you're in and the regulations in your location.
Here's a breakdown that we found regarding the auto insurance coverage provided by Uber Eats and Uber rideshare:
Offline: When you're not using the Uber Eats/ Uber rideshare app, you're covered by your personal auto insurance policy.
App on, waiting for a delivery/ ride request: When you're logged into the Uber Eats/ Uber rideshare app and waiting for a delivery or pickup request, you're covered by Uber’s contingent liability coverage. This coverage provides up to $50,000 per person and up to $100,000 per accident in liability coverage.
En route to pick up the food or passenger: When you're en route to pick up the food or passenger, you're covered by Uber’s contingent auto liability coverage and contingent auto collision coverage. Contingent collision coverage provides up to the actual cash value of your vehicle with a $1,000 deductible.
Delivering the food or passenger: When you're delivering the food, you're covered by Uber’s commercial liability coverage and collision coverage. This coverage provides up to $1 million in liability coverage and up to the actual cash value of your vehicle with a $1,000 deductible.
Similar to driving for Uber, the coverage provided by Uber Eats is contingent on you maintaining your personal auto insurance policy. If your personal auto insurance policy lapses, you may not be covered by Uber Eats' insurance.
Additional Insurance Coverage
While Uber provides some auto insurance coverage while you're working, it may not provide enough coverage to fully protect you in the event of an accident. Depending on your location and other factors, it may be worth considering additional insurance coverage, such as commercial auto insurance or a specialized policy designed for food delivery drivers.
Commercial auto insurance policies are designed to provide coverage for vehicles used for commercial purposes, including delivery vehicles. These policies typically provide more comprehensive coverage than personal auto insurance policies and can include coverage for liability, collision, and comprehensive coverage.
Specialized insurance policies designed for food delivery and rideshare drivers may also be available in some locations. These auto insurancebpolicies are specifically designed to provide coverage for drivers who are delivering food or passengers for services like Uber.
In conclusion, if you're working as a delivery driver for Uber, it's important to understand the insurance coverage you have while you're working. While your personal auto insurance policy may not cover you while you're driving for Uber, Uber provides some insurance coverage while you're working. Additionally, it may be worth considering additional insurance coverage to ensure that you're fully covered while you're working as a driver for Uber.
If you are currently driving for Uber or considering it we encourage you to give us a call at 972-755-3969 to talk about getting the proper auto insurance coverage to protect you.