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How Uber Car Insurance Works In An Accident

How Uber Car Insurance Works In An Accident
by Amy Evans.  Last updated on March 22, 2018 2 Comments

More hours on the road means Uber drivers everywhere have higher chances of getting into car accidents. It’s not certain that you’ll get into an accident, but chances are better than your average driver. Your best course of action is to be prepared and informed.

Questions you should be able to answer as a rideshare driver:

  • What happens if you do get into an accident?
  • Does Uber have car insurance for their partners?
  • What exclusions do they have?

Car owners know that their personal auto insurance coverage has many exclusions, what you may not know, is that your personal policy may not cover you when driving as a rideshare driver. If you get into an accident while driving for Uber or Lyft, your auto insurance policy might classify your car as a “commercial vehicle”, and will not offer any collision or liability coverage.

So what should rideshare drivers do to protect themselves in the case of accidents that occur while driving?

What to Do in Case of an Accident?

First, if you get into an accident when driving for a rideshare company, stay calm. Then, go down this list and assess your options.

Uber Car Insurance  What To Do In Case Of An Accident  How Uber Car Insurance Works in an Accident

1. Be Familiar with the Uber Period

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