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Uber drivers must be fully insured when operating a vehicle in all states. When you are working for Uber, their auto insurance policy will provide coverage. However, when their app is not in use, your own personal policy is utilized.
Regardless of which state you reside, you must meet all of the minimum liability and financial responsibility requirements. Both fault and no-fault states are included. For example, in Ohio, the Buckeye State's minimum liability requirement is $25,000 per person, $50,000 per accident, and an additional $25,000 of property damage. Typically, financed and leased vehicles must carry collision and comprehensive benefits.
Important: Answer was provided by Edward Harris, one of the nation's leading car insurance brokers with more than 35 years of expert and unbiased experience. His top-rated website, Carinsurancezoom.org provides consumers with free online quotes and the lowest auto insurance rates from top-rated companies.
It is important to have coverage on your vehicle when not driving people using the Uber app. Farmers Insurance recently added an endorsement to their personal auto policies to provide coverage if you are a Uber/Lyft driver. It is important to know what your exclusions are on your policy, just in case your insurance carrier won't allow any type of rideshare program.
Some carriers are doing exactly what Ty said... they have a box that can be checked and you have the "extra coverage" needed for a ride share gig. WITHOUT the endorsement, your "normal car insurance" is very, very, very unlikely to cover any claim while your vehicle is being used for "business use". That applies to anyone like a real estate agent, insurance agent, or anyone else that wraps their car, drives prospects & clients around, etc..... KNOW what you're buying.
Manager, Marindependent Insurance Services LLC, California
Call your insurance agent or insurance broker or insurance company to speak with them about this. No one, at this time, can answer this question without knowing far more information about your situation.
Your auto insurance "may cover you for it" with an endorsement, or you may not be covered at all.
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Regardless of which state you reside, you must meet all of the minimum liability and financial responsibility requirements. Both fault and no-fault states are included. For example, in Ohio, the Buckeye State's minimum liability requirement is $25,000 per person, $50,000 per accident, and an additional $25,000 of property damage. Typically, financed and leased vehicles must carry collision and comprehensive benefits.
Important: Answer was provided by Edward Harris, one of the nation's leading car insurance brokers with more than 35 years of expert and unbiased experience. His top-rated website, Carinsurancezoom.org provides consumers with free online quotes and the lowest auto insurance rates from top-rated companies.
Your auto insurance "may cover you for it" with an endorsement, or you may not be covered at all.