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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.

What type of insurance do Uber drivers need in Chicago?

Uber drivers may need personal auto insurance that permits rideshare activity, along with coverage provided by Uber during certain stages of a trip. The appropriate protection depends on whether the driver is waiting for a ride request, traveling to pick up a passenger, or transporting a passenger.

Does Uber provide insurance for its drivers?

Uber provides certain insurance coverage while drivers use the app, with coverage varying depending on the driver’s activity and trip status. Drivers should review Uber’s current insurance terms and their personal auto policy to understand potential coverage gaps.

Does personal auto insurance cover driving for Uber?

Many personal auto policies exclude or limit coverage for commercial rideshare activities, which can leave drivers exposed if they do not have appropriate protection. Rideshare insurance or a suitable commercial auto policy may help address these gaps, depending on the insurer and policy.

Does Uber insurance cover accidents while waiting for a ride request?

Uber may provide limited liability coverage while a driver is online and waiting for a request, subject to specific conditions and policy limits. Coverage generally differs from the protection available after accepting a trip, so drivers should confirm the current terms that apply in Illinois.

How can I get Uber or rideshare insurance in Chicago?

Melendez Insurance can help drivers explore rideshare and auto insurance options suited to their driving activities and coverage needs. Contact the agency to discuss available policies, eligibility requirements, and ways to help protect yourself while driving for Uber.