Ride-share companies have initiated their own forms of insurance to cover drivers when their personal policies fail to provide coverage.

Do uber drivers need additional car insurance. While its not a legal requirement to alert the insurance company that you drive for Uber failing to do so is too severe a risk. When the Uber app is off a driver is covered by their own personal car insurance. If you drive for Uber Eats then you may need special car insurance.

Ubers car insurance protects you from the moment you accept a delivery to the moment you drop it off. They will then advise your insurer about your intentions to ensure you are protected. Uber provides limited car insurance to its drivers although most drivers buy extra vehicle insurance.

As a ride-sharing driver youre also required to maintain auto insurance that meets your states minimum financial responsibility. If you currently participate in ride sharing or plan to become an Uber driver you must inform your advisor. However that additional coverage only applies when the Uber app is on.

Additionally theres a 1000 deductible with the collision and comprehensive coverage. For most car insurance companies rideshare insurance is an additional type of coverage that is available for purchase. If youre engaged in ridesharing activity and are responsible for a collision basic plate insurance will still apply.

This means that when the Uber app is activated and the trip accepted a higher level of coverage over the state minimum is now required. That means its secondary coverage youll first have. Heres what you need to know.

Your rate will go up because you will be driving a commercial motor vehicle but the money you make from driving Uber will easily offset those costs within the first few rides. This coverage is provided by Uber which means Uber pays the premium. As long as you maintain comprehensive and collision coverage on your personal auto insurance the insurance that Uber maintains on behalf of drivers will kick in.