If I already have my personal car insurance, am I still required to buy 'separate' insurance to work for Uber/Lyft?

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  • May 21,2018
  • 12 answers

If I already have my personal car insurance, am I still required to buy 'separate' insurance to work for Uber/Lyft?


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Insurance Answers (12)

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A Hunch 3 months ago

You are required to have insurance coverage as a Uber/Lyft driver.
This may be an additional purchase on your personal policy or it might be a separate policy.

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STEVEN F 2 months ago

I haven't checked Lyft. Uber includes insurance that covers from when you accept a ride to when you drop them off in what they charge drivers.
You SHOULD have your insurance agent review BOTH that coverage, and whatever your personal insurance covers to determine if they leave any gaps you should buy additional insurance to cover.

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car253 2 months ago

Some companies will add an "endorsement" to your auto insurance company. Ask your insurance agent or company.

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babyboomer1001 2 months ago

If your job with them is driving, then likely yes.

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Rick 2 months ago

Depends your policy

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Casey Y 3 months ago

Go ahead and read that policy...the section about business use...

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David 14 3 months ago

Yes.

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lucy 3 months ago

http://time.com/money/4482057/heres-what...
ALL personal auto policies (excludes) coverage in the course of business, which in the past usually involved pizza drivers. But now with the explosion of so many people driving for Lyft or Uber, the minute you turn on your app, your personal auto policy can exclude even if you don’t have a passenger in your vehicle, since the app is on, so now in the course of business.
So you will either need a commercial auto policy (pricey) or if your personal auto insurance has a rider/endorsement of a rideshare.
I suggest you talk to an agent/broker of what options that apply in the state where you live to find the best policy and possible lowest price that works for you and still keep driving.

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Andy Lucia 3 months ago

Yes because you are operating as a passenger vehicle for hire. Your personal insurance will not cover it.

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Bernard 3 months ago

Because one is a domestic policy, the other is a business policy

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SumDude 3 months ago

Read your policy. MY car insurance policy clearly states that the company WILL NOT cover accidents if the car is being used in a "for hire"capacity.

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Elaine M 3 months ago

Talk to your car insurance agent.

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