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Should I warn my insurance company I drive for Uber? I feel like maybe I shouldn't.

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LandLoverRover
104
 Posted 1 year, 11 months ago

I am occasional weekend driver, but people often tell me I should warn my insurance company.  They tell me I will get my insurance revoked or that some companies don't allow me to drive at all.

So... my question of course is...should I even bother telling them?  I am not going to call and tell them I am driving an Uber just to get my insurance revoked. Aren't I just one man giving another man a ride?  and Uber is just a platform that connected us?  Isn't this a "rideshare" or a "carpool?"

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    Wes
    1581 Rider Driver
     1 year ago

    You need to call your agent to see if you can add "rideshare" coverage to your policy.  In most states this is now available.  I'm with State Farm in Ohio and it cost me less than $10 a month to cover two cars.  You NEED this coverage as Uber/Lyft ONLY cover you when you're on your way to pick up and when you have a passenger.  You do NOT have coverage when you're waiting for a ping, and if you got in an accident you would technically NOT be covered.  Furthermore when adding Rideshare, particularly to State Farm, they then offer you full coverage and THEY deal with the insurance companies used by Uber/Lyft. 

    If your insurance company does not offer Ridehshare, I would STRONGLY encourage you to change to a company that does.  It simply isn't worth the risk.  Insurance companies don't want to pay claims!!!  Don't give them a reason to deny you, becuase THEY WILL.  I don't care how long you've been with them or who you know, the job of the insurance company is to MAKE A PROFIT, and the best possible way to do that is to avoid paying claims!!!  Think about it and choose wisely!!!

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      LandLoverRover
      OP 104
       1 year ago

      I had no idea it was so cheap.  It's no brainer then.  Even if it's to clear up the ambiguity on whether it's under your insurance or Lyft's.

      I will give my company a call and ask for it. If they don't have coverage, I will ask if I am covered.  I am not scared to be upfront about it.  Good point on potentially switching to one that does.

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    BGraft89
    614 Rider Driver
     1 year ago

    Buddy.  You can make all kind of arguments around tecnicality and semantics, but at the end of the day, the insurance companies and their underwriters can put any clause and conditions on your policy. If it says you can't drive for Uber, you can't.  They major risk in various ways, and they dont' have to cover you if they don't want to...for whatever reason. (except for protected classes like race, sex, etc.)

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    zackknight68
     3 months ago

    Hi, 

    My Car is stolen, I put through a Claim and The investigation Officer came to Take a interview, 

    He Asked me are a Registered uber Driver I said yes, then he asked me have you every used your car for rider share I said Yes just Few Time As my Primary Job is other, he asked me for my Bank-statement of last three months, and other documents, 

    i also Told he i don't drive uber much, and i got registered with them 2 3 months ago, 

    I'm Worried my case is totally different, I think they gonna reject my claim. 

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    SmittenKitten
    2004 Rider
     1 year ago

    well, I suppose theoretically, if you get into an accident, you don't have to tell anyone you were driving for uber at the time, huh?   Assuming there were injuries from passengers or something.  and the passenger rats you out.

    Unless the accident is huge or has some red flags, I doubt the insurance company will subpoena Uber and match it up to whether you were driving a customer at the time.

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    jeffsmith66
    41
     1 year ago

    I got into an accident (I am not a driver) but one of the first things my insurance asked me was "Do you drive for a rideshare company like Uber". They didn't even seem to care if I WAS driving at that time. I think they take this very seriously. Be careful

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    HemiDodge
    360
     1 year ago

    A man after my own heart.  I totally agree with your point on how an Uber app is just a tool to bring people together, and, after it has done that, it's just me personally giving this person a ride.  

    Show Hide  3 Replies
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      SmittenKitten
      2004 Rider
       1 year ago

      It's noble you believe that, but

      - You are taking money.  That changes the relationship. It's no longer you 

      - Insurance companies may not care if you are driving for Uber but may care for other impacts that arise from it.  a) your increased driving, b) liability from having customers, c) running a business out of your car, etc.

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        JBurd
        184 Rider
         1 year ago

        Didn't we go through this whole fiasco once with eBay where people started selling P2P style?  Are sellers responsible for collecting taxes for example.

        The answer is basically that if you are running a business, business rules and regulations apply. 

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      jknobson77
      94
       1 year ago

      Pure P2P, baby!!!  

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    KitteryMe
    30
     1 year ago

    If you wanna get screwed in case of an accident, by all means...

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    DFosterG11
    187
     1 year ago

    if you are In a state that has resellers, brokers, and agents, ask them if the policy is affected *if* you started driving for an Uber.

    Asking a broker is a good way to find out without raising a flag

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    CasPer
    325 Rider
     1 year ago

    Oooooh, we need a lawyer on this!  but I bet no one really knows!

    Show Hide  1 Reply
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      gironimo45
      36 Rider Driver
       1 year ago

      Except that we do know... you need rideshare insurance. period.