When the Uber app is off a driver is covered by their own personal car insurance.

Do i need special car insurance for uber eats. Of course I am kidding. Its best to shop around for competitive commercial auto insurance that covers you while making deliveries. Rideshare drivers while logged onto the Uber app.

Buying Auto Insurance from Rideshare Companies Rideshare drivers do have the option of purchasing commercial auto policies. Uber Provides Some Auto Insurance Coverage When the App is On. Uber maintains a commercial auto insurance policy with 1 million of liability coverage per covered incident.

1 million of commercial auto liability insurance per incident. In between your vehicle may not be covered by car insurance. This makes it classified as a commercial business venture and requires commercial vehicle insurance by law.

I had an incident where I had to slam on the brakes and the Big mac I was transporting to my very hungry orderer flew across the car and went into a million pieces. As a ride-sharing driver youre also required to maintain auto insurance that meets your states minimum financial responsibility. Uber requires all their drivers to have car insurance and provides supplemental insurance coverage but only while the app is on.

If you drive for Uber Eats then you may need special car insurance. You need to maintain automobile liability insurance on all vehicles you operate while driving for Uber with insurance limits equal to or greater than the minimum requirements for the state where you drive. This coverage automatically applies to all Uber Eats drivers regardless of their personal auto insurance provider.

Heres how it works. You can sign up with Uber Eats and get started here. Instacart is one of the rare exceptions.