For many people, Uber is a convenient and flexible method to supplement their income. Some even drive Uber as their full-time job.
As the number of Uber drivers grows, car insurance providers continue to adjust their policies.
Whether you will be driving full-time or part-time, you must have auto insurance to drive for Uber. Uber driver insurance is a need for the driver, the vehicle, and the coverage.
Thus, what are these requirements and policies? Read on and learn it all here.
Insurance Requirements for Uber
Each state has laws requiring car insurance for Uber drivers. Drivers must have a rideshare insurance policy that meets the state’s basic requirements.
The moment the driver signs in to the Uber app and takes a ride, the company provides personal car insurance. Uber insurance coverage includes:
- $100,000 per accident
- $50,000 for driver’s liability for one person
- $25,000 for property damage inflicted
When drivers accept a ride, their insurance coverage increases yet again. Uber insures drivers who have primary automotive liability coverage of at least:
- $1 million per accident
- About $1 million of underinsured/uninsured coverage for motorists
Also, Uber provides coverage for physical damage to the vehicle with the worth of the car in cash. It happens with a $1,000 deductible paid by the driver.
Requirements for Uber Cars
Uber drivers must have cars registered in their home state. In most cities, the vehicle cannot be older than ten years. It can be up to 15 years old in some places, such as Los Angeles and San Francisco.
The car must be a four-door vehicle with independent opening doors. Make sure it can accommodate at least four passengers, including the driver. It must also have factory-installed seatbelts.
Uber car windows and air conditioning must both function well. It also can’t be a full-size van or any other business vehicle.
The car must meet all these standards to qualify for UberX. It is the cheapest and most popular option.
Uber also offers many other services that aren’t available in all areas. Those groups have stricter requirements.
Requirements for Uber Drivers
To drive for Uber, you must have a valid driver’s license in the state where you are. You must be at least 21 years old and have one year of driving experience. Drivers under the age of 23 should have three years of experience behind the wheel.
Drivers’ names must be on their insurance policy. They must also have current registration and in-state license plates.
To be an Uber driver, you must have a valid Social Security number and pass both a background check and a driving record check. All in all, you must have a spotless driving record.
You can contact Uber for more information if you have any queries on any of those requirements. For free consultations, click here.
Know More About Uber Driver Insurance Now
That’s all you need to know about Uber driver insurance. Follow these uber insurance requirements and policies, and you’ll be good to go!
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