What Every Uber Driver Should Know About Accident Insurance

uber accident insurance

As an Uber driver-partner, you are running your own business. That means you have a responsibility to protect yourself, your passengers, and your vehicle. Many drivers sign up for rideshare insurance. This is an important investment, but it doesn’t cover everything. We recommend investing in accident insurance to help bridge the gap. Here’s what you need to know.

What Does Rideshare Insurance Pay For?

One important thing to understand about Uber’s rideshare insurance is that it only covers you while you’re on the job. This means you need to be online waiting for a request, picking up a passenger, or driving on a trip.

Rideshare insurance plans will help pay for:

  • Damage to someone else’s property, like their car or fence, in an accident you cause

  • Injuries to your passenger or anyone else in an accident that’s your fault

  • Injuries to you or your passenger when it’s not your fault, and the other driver doesn’t have enough insurance to pay for everyone’s medical bills

  • Damage to your car, as long as you have your own auto insurance

Here’s the catch: rideshare insurance does not help pay for everything. This includes things like:

  • Injuries you get in accidents that are your fault

  • Injuries from accidents that happen when you’re not online with Uber

  • Lost income if an accident causes a disability and you don’t have Driver Injury Protection

What Does Accident Insurance Cover?

Rideshare insurance is an important investment, because it helps protect your business. If you cause an accident and get hurt, though, Uber rideshare insurance plans will not cover you. That’s why it’s also important to have accident insurance.

If you get hurt while driving, accident insurance will help pay for many expenses related to your injury, such as:

  • Medical bills (like copayments and deductibles) related to your injury

  • Important payments you miss while your injuries keep you from working, like:

    • Mortgages or rent payments

    • Credit card bills

    • Car payments

    • Household bills

And while rideshare insurance only covers you while you’re on the job, accident insurance protects you around the clock – even if you aren’t driving! For example, accident insurance helps pay for expenses if you:

  • Get in an accident on your way home from work

  • Get hit by a car while walking on a crosswalk

  • Fall off your bike

  • And much more

Pro tip → Accident insurance also protects you while you drive, walk, or ride for companies other than Uber, like Postmates, Lyft, or Amazon.

uber accident insurance

I Have Car and Health Insurance; Why Should I Get Accident Insurance?

Yes! Health insurance will help pay for your medical bills, while car insurance will cover someone else’s medical bills if you hurt them in an accident. Neither of these insurance plans help when you have to put your business on hold. That’s where accident insurance comes in. This type of coverage helps you pay for the day-to-day, unexpected expenses that accompany an accident-related injury.

Pro tip → Accident insurance typically processes claims within 24 hours, so you can get almost immediate help with expenses.

Where Can I Buy Accident Insurance?

Accident insurance plans typically cost less than $1 a day. To learn more about available plans and how they work, head to our accident insurance page here.

Aly KellerComment