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Uber Driver Insurance Requirements

Harry Campbell The Rideshare Guy
November 11, 2022

Looking for Uber’s requirements to become a rideshare driver? This comprehensive blog will outline everything you need to know including, the Uber age requirement, the necessary legal documents, Uber driver insurance requirements, and more helpful considerations when applying to become an Uber driver.

Buckle has partnered with Harry Campbell, founder of TheRideshareGuy.com, to provide our Members with the very best tips, tricks, and news to help maximize their income as a rideshare and delivery driver.

Car Insurance for Uber Drivers: Guide to Uber Driver Car Insurance Requirements and Policies

The number of Uber drivers in the US has reached around 1 million and 4-5 million worldwide. Uber still ranks as one of our top side hustles even after the dip in rides caused by the pandemic.  

In this post, we’re going to focus on rideshare insurance and what it includes. If you’ve ever considered driving for Uber and also wondered about rideshare insurance for Uber options be sure to keep reading. Many drivers wonder if they should get rideshare insurance and our answer is always yes. Here’s why:

How Does Rideshare Insurance Work?

Rideshare insurance is a way to get coverage for your car, yourself, and passengers while driving for rideshare companies like Lyft and Uber. Uber and Lyft do offer some coverage, but we’ll touch on that later.  

Accidents can happen, including those that include Uber drivers or riders. The University of Chicago did an in-depth study of accidents and how many of them involve rideshare drivers.  

The statistics are between 2017-2018 and state that Uber vehicles were involved in 97 fatal car crashes during that span. Out of those crashes, 107 died. Forty-two percent of those deaths were either riders or drivers, and 21% included both.  

The remaining 58% of those deaths were non-rideshare drivers or riders but people in other cars. Despite those numbers, Uber still states that 99.9% of all rides happen without a car accident.  

Uber Car Insurance Coverage

Uber offers insurance coverage in a couple of instances. If you are offline or the driver app isn’t open, you’ll have to have your own insurance in place to protect you during those times. Uber has coverage in place for when you're available for a ride on the app or when you're waiting on a ride request.

Here’s what Uber’s insurance covers:  

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

If you are on the way to pick up or have a passenger in your car, Uber insurance covers:

  • $1,000,000 third-party liability.
  • Underinsured or uninsured driver bodily injury and or first-party injury insurance.
  • Contingent collision and comprehensive.  
  • Up to the actual cash value of the car with a $2,500 deductible.  

Recommended Steps if You’re in an Accident  

While we all hope for the best, we still have to plan for the worst. Here’s what Uber recommends if you’re in an accident:

  • Ensure you, your rider, and other parties involved are safe.
  • Call 911 if it’s necessary. Police and paramedics might not be on the scene  
  • The last thing would be to contact Uber support in the app. The best way to do this is by going to Help, Trip Issues, and Adjustments, and then selecting I was in an accident. You can also submit a crash report here.
  • If you would rather speak to a person live, you can do that by selecting Call Support in the driver app.  

Following these steps when needed will help you get the help you need. You’ll also take the step of notifying Uber, which will help get your case resolved sooner by starting the process.

Injury Protection  

Something else Uber has in place is optional injury protection. What this does is provide delivery and driving partners some potential relief in case something were to happen out on the road.  

With a partnership through Affinity Insurance Services for just $0.03 a mile, you can help minimize the financial impact an accident can have on you and your family. This injury protection can be a big deal in a few ways.  

  • Disability payments: Earnings replacement of up to $500 per week.  
  • Medical expenses: Provides accident medical expenses up to $1,000,000. And you won’t have a deductible or copay
  • Survivor benefits: Can be up to $150,000 for your family

This benefit is only collected when you are on a trip or en route to drop off an order or rider. The coverage would start as soon as you enroll and meet the feature's eligibility requirements. If you live in the state of California, you do not need to pay or sign up for injury protection under Uber Prop 22.

Why Do You Need Rideshare-Specific Insurance?

You never know what could happen. While rideshare companies offer some level of protection, there are gray areas and times where you think you should be covered, but aren’t. Plus, having rideshare-specific insurance means it’s more likely your insurer will cover you if anything happens, because they know and approve of you driving rideshare.

If you don’t inform your insurance company, they can go as far as rejecting a claim you put in because they didn’t know you were using your vehicle as a rideshare car. Sure, you could cross your fingers and hope for the best, but it’s not a strategy we recommend.

Where to Get Car Insurance for Uber

Buckle, Liberty Mutual, Allstate, Farmers, State Farm, and Progressive are just a few of the insurance companies that offer rideshare insurance.

How much rideshare-specific insurance costs depends on which company you decide to go with and other factors.  

Buckle  

Buckle is one such rideshare-specific insurance company we recommend. Their motto is rideshare and delivery drivers are their priority, not an afterthought. Buckle is available in a number of states and is growing annually.  

All quotes are free and can be done through their website. If you like your quote, then Buckle will even help you cancel your policy with your current company. Buckle’s rideshare coverage takes care of you for personal and commercial use.  

FAQs

How old do you have to be to drive for Uber?

Uber driver age requirements include the following: a driver needs to be 21 years old with at least one year of driving experience.  

What legal paperwork do you need to drive for Uber?

Driver's license, vehicle insurance and registration, and a background check.  

Summary

Rideshare driving can still be a productive way to make extra money on the side or even full-time. Uber, in particular, still has millions of riders looking to get to their destination. Work, school, fun, or whatever the destination is, there is room for current or future drivers to make money. While out making money, you never know what could happen. Protect yourself by getting rideshare insurance for Uber, like the type Buckle offers.

Harry Campbell is a former Boeing Aerospace Engineer and founder of TheRideshareGuy.com, a blog, podcast and Youtube channel for ridehail drivers and other gig workers and author of, The Rideshare Guide. Over the years, Harry has covered the gig economy industry closely and talked to tens of thousands of drivers and gig workers about their experience on the road.

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