Uber maintains automobile liability insurance on behalf of all US.

Do uber drivers need extra car insurance. Your insurance company is not legally required to know when you decide to use your vehicle for Uber. Both Uber Lyft have what is called an insurance gap. When the Uber app is off a driver is covered by their own personal car insurance.

If you want to become a rideshare driver youll need to either have a commercial auto insurance policy or a personal auto insurance policy that offers rideshare coverage as an endorsement. Your Personal Auto Coverage May Not Be Valid. Yes you need to contact your car insurance company before signing up to be an Uber driver.

Many personal auto insurers offer rideshare insurance endorsements that include additional coverage for rideshare drivers but this is not required for you to sign up to drive with Uber. Uber maintains a commercial auto insurance policy with 1 million of liability coverage per covered incident. Section 181 of the Ontario Personal Automobile Policy Act includes a clause saying that your policy is not valid if you use your vehicle for hire.

When the Uber app is off a driver is covered by their own personal car insurance. Uber covers up to the cash value of your car with a 1000 deductible. Additionally Ubers Intact policy does not apply to drivers who participate solely in the Uber.

When you do have a rider in the vehicle Uber or Lyft offers liability coverage but it has limits. When Uber drivers use their vehicle for personal use phase 0 Intact Insurance Novex and Jevco customers are protected as usual under their personal auto insurance policy at no additional cost. When youre not driving with Uber you would look to your personal auto insurance.

Heres how it works. As a ride-sharing driver youre also required to maintain auto insurance that meets your states minimum financial responsibility. However failing to do so is a severe risk.