Yes, you need special insurance to drive for Uber Eats. Most personal insurers require you to purchase a special rideshare endorsement or a commercial policy if you drive for a delivery company, and if you don’t tell your personal insurer about driving for Uber Eats, they may deny your claims and cancel your policy.
A rideshare insurance endorsement is an inexpensive policy add-on that may cover delivery driving. For instance, State Farm says its rideshare coverage will add about 15%-20% to your premium, and Allstate’s coverage only costs about $30-$120 annually. However, it’s important to ask your insurer whether Uber Eats qualifies for rideshare coverage, since exact requirements vary by insurance company. You can also look into a commercial insurance policy, which is a good option if you cannot find rideshare insurance that covers delivery driving.
Insurance Options for Uber Eats Drivers
- Purchase rideshare coverage from your personal auto insurance company, assuming it covers delivery driving.
- Switch to an insurance company whose rideshare coverage applies to UberEats.
- Buy a commercial car insurance policy.
Uber Eats does provide commercial insurance for drivers in most states, but the coverage is limited. For instance, once you accept a delivery request, Uber Eats will provide comprehensive and collision insurance, but only if you already have these coverage types on your personal insurance policy. Plus, Uber Eats only provides liability insurance while you have the app on and are waiting for a delivery request.
For more information, check out WalletHub’s guide to rideshare insurance.
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