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Uber Driver Insurance
Ridesharing Insurance for Uber & Lyft Drivers

Are you a part-time Uber driver in Chicago? Or maybe you drive with Lyft or another ridesharing service? You may be taking insurance risks that can affect your financial future!

Your normal auto insurance is NOT applicable while you are working as an Uber or Lyft driver. While the ridesharing companies typically extend some insurance coverage to the driver while a passenger is physically in the vehicle, a serious coverage gap exists while the ridesharing app is running but no passenger has requested a ride. If you get into an auto accident between riders, you may be liable for the damage!

Ridesharing insurance helps to cover this gap. Melendez Insurance is one of the few agencies in Chicago that specializes in this new form of insurance.

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Uber driver insurance can cover your liability.

Uber Drivers! Protect yourself and your ridesharing business with ridesharing insurance. Request a quote today from Melendez Insurance.

Uber Drivers Need to Be Protected
It's an exciting time to be an Uber driver in Chicago! Ridesharing services use a smartphone application to connect potential passengers with drivers of vehicles for hire. Many Uber drivers use their personal vehicle and operate in a part-time capacity.

Most conventional auto insurance clearly excludes coverage when the driver is transporting a customer or available for hire. While the ridesharing companies typically extend some insurance coverage to the driver while a passenger is physically in the vehicle, a serious coverage gap exists while the ridesharing app is running but no passenger has requested a ride. Even when coverage is present from the ridesharing company, the limits provided are typically much lower than what you may expect. The bottom line is that you may be at personal financial risk when working as an Uber driver.

Uber Driver Insurance in Chicago

Ridesharing Insurance applies to all Uber drivers who are:

  • actively transporting a paying passenger
  • on the way to pick up a passenger
  • simply designated as available via the ridesharing network

As opposed to conventional auto insurance or the policies offered by Uber, you are protected at all times while doing your job as an Uber driver.

Uber Driver Insurance Availability

Currently the ridesharing insurance is only available for Uber and Lyft drivers in the following states:

  • Illinois
  • Indiana
  • Wisconsin

Ridesharing insurance may be expanded to other locations in the future.

If you are an Uber driver on the busy streets of Chicago, you definitely need Chicago Uber Driver Insurance!

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