As an Uber driver, it’s crucial that you have car insurance coverage. And while Uber offers its drivers insurance, there are still stipulations involved. It would be best always to have personal Insurance that will cover times you are not working, but you will also need to fill in the gaps from what Uber does not cover.

In this article, I’ll go over some of the basics you need to know so you can avoid any troubles down the road.

For starters, Uber only offers liability coverage up to $1,000,000. They will offer comprehensive and collision coverage but under the contingency that you still need to have your own personal Insurance when driving for personal use.

Please don’t assume that because you have Insurance through Uber, you will be covered at any time. Uber’s Insurance only goes into effect when you start the Drive to pick someone up, and it ends once you’ve dropped them at their destination. Typically, if you are sitting idle, their Insurance has yet to kick in technically.

Insurance coverage with Uber looks something like this.

While waiting:

• $50K per person, bodily injury liability
• $100K per accident, bodily injury liability
• $25K per accident, property damage liability

When picking up:

• $1M for 3rd party liability
• Uninsured/underinsured motorist bodily injury
• Comprehensive/Collision with a $1,000 deductible

During the drive:

• $1M for 3rd party liability
• Uninsured/underinsured motorist bodily injury
• Comprehensive/Collision with a $1,000 deductible

While insurance companies continue to expand the coverage options for rideshare drivers, many are beginning to sell different types of Insurance for rideshare drivers.

Hybrid Insurance combines personal and rideshare Insurance into one policy with one premium cost. Obtaining hybrid Insurance will cover you regardless of whether the accident occurred during personal or work use.

Another option is purchasing rideshare insurance extensions. This type of add-on is meant to fill in any gaps in coverage through your Uber insurance. For example, if you have picked up a ride and have a passenger in the car when you get in an accident, Uber insurance would cover the liability coverage. Then the add-on coverage would cover the comprehensive and collision side.

So, to avoid any legal troubles or litigations, it is vital that you know the different types of car insurance that are available and that you have coverage not only for your personal use but also for those gaps in coverage from Uber insurance.