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How Does Insurance for Uber Drivers Work?

Buckle Team
November 1, 2022

There are all sorts of Uber drivers who drive for all sorts of reasons, but they all have one thing in common: the need for Uber driver insurance. Having insurance to drive for Uber is essential. This article will review Uber driver insurance requirements and specific details about insurance for Uber drivers.

What Are Uber Driver Insurance Requirements?

There's one basic Uber driver insurance requirement: You must carry your own personal auto insurance policy. But that can get tricky because personal insurance usually won't cover commercial driving.  

If you're a gig driver and don't tell your insurance company, they can refuse to cover you in case of a rideshare accident or even terminate your policy. That's why working with a company like Buckle, which specializes in rideshare insurance, can be your best option for meeting Uber insurance requirements.

Does Uber Offer Insurance?

Uber offers insurance for its drivers while they're on-app. Unlike Buckle's policies, Uber car insurance won't cover you when you're off-app. There are also critical gaps in Uber vehicle insurance that could make you liable for thousands of dollars in damages in case of an accident while you're driving on-app. Driving with Uber insurance comes with significant risks.

What Does Uber Insurance Cover?

Uber bases its car insurance on the type of driving you're doing, with different coverage amounts depending on whether you're on-app waiting for your next gig or actively driving a passenger.  

If you're in an accident waiting for a ride request and your personal auto insurance doesn't apply, Uber provides third-party liability coverage in the following amounts:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

If an accident occurs while you're on your way to pick up a passenger or while you're driving to their destination, Uber provides:  

  • $1 million in third-party liability coverage for bodily injury and property damage
  • Uninsured/underinsured motorist bodily injury and/or first-party injury insurance, depending on your state's mandated coverage limits

Uber driver insurance does not include comprehensive and collision coverage if you're on-app waiting for a ride request. Comprehensive and collision insurance only applies when you're driving to pick up a rider or taking them to their destination — and only if your personal auto insurance already includes comprehensive and collision coverage. There's also a $2,500 deductible, which can be difficult for many drivers to meet.  

As you can see, there are definite gaps and drawbacks to Uber's insurance coverage for drivers. Damages can easily exceed the coverage amounts Uber offers when you're waiting for a ride request.  

If you're uncertain about some of these terms, here are a few quick definitions:

  • Third-party insurance — coverage for people and vehicles other than your own. This doesn't cover damage to your car or your own personal injuries.
  • Comprehensive insurance — protection for damage to your vehicle that results from something other than an accident, like theft, weather or vandalism.
  • Collision insurance — coverage for your car if you're involved in an accident that's not the fault of a third party.

What Kind of Insurance Do You Need for Uber?

If you're an Uber driver, you need the kind of insurance that applies 24/7 and provides coverage amounts that offer you true protection. Buckle's Uber driver insurance does just that. We can help you manage your Uber insurance costs with fair rates and deductibles as low as $500.  

Purchase Insurance for Uber Drivers From Buckle

You can rest assured with Buckle's insurance for Uber drivers. We base your rates on factors like your driving record and garaging ZIP code — not your credit score. We never run credit checks when determining rates. Plus, it's easy to request a quote from Buckle. You can have an answer in just five minutes. Contact us today for convenient, affordable Uber insurance.

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