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

What insurance does uber require. For a driver with a clean driving record there is typically up to 1m in liability with a 500. COVERAGE STARTS THE INSTANT YOU TAP GO ON THE UBER APP TO WAIT FOR A RIDE REQUEST. So youll need to pay out of pocket for damages to your vehicle and for medical costs if applicable.

What this means is that when you are operating your vehicle with any non-Uber or Lyft rider then you will need to ensure that your app is turned off as you are covered under your personal auto insurance at this time. 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. However failing to do so is a severe risk that puts your finances and your coverage on.

If you drive for Uber in Ontario or Alberta youre automatically covered by a basic commercial car insurance policy through Intact Financial Corp. The insurance maintained by Uber on behalf of delivery partners operating on the Uber Eats app is outlined below. According to Lyfts terms it appears the drivers name must only be scheduled on the auto insurance policy.

Lyft caps the maximum at 50000 with a 2500 deductible. Uber offers comprehensive and collision insurance that will cover up to your cars cash value. This Uber purchased policy includes 2 million in third-party liability limits as well as contingent physical damage coverage subject to a 2500 deductible.

However this coverage is contingent and comes with a 1000 deductible. If you drive for Uber Eats then you may need special car insurance. Regular Insurance Doesnt Cover Ridesharing.

As long as you maintain comprehensive and collision coverage on your personal auto insurance Uber maintains insurance on your behalf that will kick in to provide protection for physical damage to your car up to its actual cash value regardless of who is at fault. Heres how it works. Uber requires you to have valid car insurance but your insurer may not cover you or your vehicle if you get in an accident while ridesharing.