Auto Insurance Options For Ubereats: What You Need To Know

If you're considering becoming an Uber Eats driver, it's important to know that you'll need a specific type of auto insurance to comply with the company's requirements and protect yourself in the event of an accident. Uber Eats requires its drivers to have a personal auto insurance policy that meets the minimum coverage mandated by the state. This policy must be in your name and cover the vehicle you'll be using for deliveries.

While Uber Eats provides some insurance coverage for its drivers, it's not sufficient on its own. The company's insurance acts as a supplement to your personal policy and only applies when you're logged in as a driver and making deliveries. It's also worth noting that Uber Eats' insurance doesn't cover accidents that occur in the state of New York.

To ensure you're adequately protected, it's recommended to add rideshare insurance to your current policy. This type of insurance is designed to meet the unique needs of delivery drivers and can be purchased as an add-on from certain insurance providers. Alternatively, you can switch to an insurance company that offers rideshare coverage specifically for Uber Eats drivers.

Another option is to purchase a commercial auto insurance policy, but this tends to be significantly more expensive and is meant for vehicles used solely for business purposes.

It's important to disclose your Uber Eats driving to your insurance company to ensure you're properly covered. Failing to do so could result in denied claims and cancellation of your policy.

Uber Eats drivers need a personal auto insurance policy

If you're an Uber Eats driver, you need to have a personal auto insurance policy in your name for the vehicle you'll be using to make deliveries. This is a requirement for signing up to drive for Uber Eats, and you'll need to submit proof of this insurance along with your driver's license and car registration.

Your personal auto insurance policy must meet the minimum coverage requirements of your state. However, it won't cover you for any business use, including ridesharing or food delivery. Therefore, you'll need to add extra rideshare insurance to your current policy. This is relatively affordable, ranging from $6 to $30 per month, and most insurance companies offer this option.

Alternatively, you can switch to an insurance company whose rideshare coverage applies to Uber Eats. For example, Progressive, USAA, and Geico are known for offering reliable coverage tailored to the unique needs of delivery drivers.

Uber Eats does provide supplemental insurance coverage for its drivers, but this is meant to protect Uber Eats from lawsuits and limit their risk. It won't cover you when running personal errands, and it doesn't cover accidents that occur in New York State.

It's important to note that if you don't inform your insurance company that you're driving for Uber Eats, they may deny your claims and cancel your policy. Therefore, it's crucial to disclose this information and ensure you have the appropriate coverage.

You must add rideshare insurance to your current policy

If you're thinking of becoming an Uber Eats driver, you'll need to have a personal auto insurance policy that meets the minimum coverage requirements in your state. However, you will also need to add rideshare insurance to your current policy. This is because your personal car insurance will not cover you for any business use, including driving for rideshare services or food delivery.

Uber Eats will request that you submit proof of personal vehicle insurance when you sign up, but they will not verify whether or not you have added any business-use coverage. It is important to note that if you get into an accident while driving for Uber Eats without the appropriate rideshare coverage, your personal insurance company will not pay out, and you may face legal difficulties.

Rideshare insurance rates are quite affordable, ranging from $6 to $30 per month, so there's no good reason to avoid purchasing it. You can easily compare rates online across different auto insurance companies, and many insurers offer special policy extras specifically for rideshare driving.

Adding rideshare insurance to your current policy will give you increased protection and peace of mind while driving for Uber Eats.

You may need to buy a commercial auto insurance policy

If you are considering becoming an Uber Eats driver, it is important to understand the insurance requirements and how they can impact you. While Uber Eats does provide some insurance coverage for its drivers, there are limitations to what is offered, and you may need to purchase a commercial auto insurance policy to ensure you are fully protected.

Uber Eats requires its drivers to have a personal auto insurance policy that meets the minimum coverage requirements in their state. However, personal car insurance policies typically exclude coverage for commercial activities, including ridesharing. This means that if you get into an accident while driving for Uber Eats, your personal insurance company may not cover the damages.

To address this gap in coverage, Uber Eats provides supplemental insurance for its drivers. This insurance only applies when the driver is logged into the app and making deliveries. It includes third-party liability coverage with limits ranging from $50,000 to $1,000,000, depending on whether the driver is waiting for a delivery request or actively on a trip. Uber Eats' insurance also includes contingent comprehensive and collision coverage, which can cover the cost of repairs to your vehicle, but this is subject to a deductible.

Despite the coverage provided by Uber Eats, it is generally recommended that drivers purchase additional insurance. One option is to add rideshare insurance to your current policy. This type of insurance is designed to cover the gaps in personal policies for drivers who use their vehicles for commercial purposes. Rates for rideshare insurance can range from $6 to $30 per month, making it an affordable option for most drivers.

However, if you plan on driving for Uber Eats regularly, you may want to consider purchasing a separate commercial auto insurance policy. Commercial insurance is designed specifically for vehicles used for business purposes and typically offers higher coverage limits than personal policies. This type of policy can protect you from financial risks and potential liabilities in the event of an accident while driving for Uber Eats. While commercial insurance policies can be more expensive, costing several thousand dollars a year, they offer more comprehensive coverage and peace of mind.

Ultimately, the decision to purchase a commercial auto insurance policy depends on your individual circumstances and the level of protection you feel you need. It is important to carefully review the insurance requirements for Uber Eats drivers and consult with an insurance agent to find the best coverage option for your needs.

Uber Eats offers supplemental insurance to drivers

Uber Eats offers supplemental insurance to its drivers. This insurance is meant to supplement a driver's existing coverage and only protects them when they are logged in as a driver and making deliveries. It does not cover drivers when they are running personal errands, driving to the gas station, or picking up their kids from school. Additionally, it does not cover accidents that occur in New York State.

When You’re Available or Waiting for a Delivery Request

• Uber maintains third-party liability if your personal auto insurance doesn’t apply:
• $50,000 in bodily injury per person
• $100,000 in bodily injury per accident
• $25,000 in property damage per accident

When You’re En Route to Pick Up Deliveries or During Trips

• $1,000,000 third-party liability
• Contingent comprehensive and collision coverage up to the actual cash value of your car with a $2,500 deductible

Uber Eats also offers optional supplemental Personal Injury Protection (PIP) to its drivers. This added coverage costs $0.024 per mile (of driving), or $2.40 for every 100 miles. It covers medical expenses, disability benefits up to $500 per week, or survivor benefits.

You need a Certificate of Motor Insurance to deliver with Uber Eats

If you want to deliver for Uber Eats, you'll need to have auto insurance coverage for the vehicle you'll be driving. This insurance must be in your name, and you'll need to submit proof of this insurance when you sign up to deliver for Uber Eats.

Uber Eats offers drivers some insurance coverage while they're on the job, but this is meant to supplement your existing coverage and only protects you when you're logged in as a driver and making deliveries. It does not cover accidents that occur in New York State.

Uber Eats requires you to carry your own insurance, and you'll need a Certificate of Motor Insurance to prove that you hold the minimum third-party insurance for your vehicle, as required by law. This is a one- or two-page document that you can get from your insurance company or broker. It describes your vehicle and identifies who can legally drive it, as well as what types of driving are excluded from cover.

You should keep a copy of your Certificate of Motor Insurance in your vehicle in case you have an accident and the attending police want to see it. You must produce a valid certificate if you've been involved in an accident and a police officer requests it.

While Uber Eats does offer some insurance coverage, it's a good idea to have full-coverage insurance to protect your vehicle in the event that repairs are needed, regardless of who is at fault in the accident.

Frequently asked questions