More and more people are driving for Uber. If you decide that you want to be an Uber driver around Laurel, MD, it’s important to look at whether your auto insurance policy will provide you with sufficient coverage. At Mid Atlantic Insurance Financial, there are agents dedicated to helping you get the right policy.
Exclusions in Your Policy
Often, insurance companies have various exclusions within auto policies that would prevent you from having the necessary coverage if you have to file a claim. The most common exclusion is “driving for hire” and Uber is classified as this.
You will want to check with the insurance company to find out whether your policy covers any kind of commercial driving. If you don’t, you may need to seek commercial auto insurance so that you are covered.
Doesn’t Uber offer insurance?
Uber does offer some insurance to their drivers. However, most of the insurance coverage is only when the app is on and there are passengers in your car. If you were to get into an accident after dropping off the passenger or while your app is off, you would not have the coverage through Uber.
Since it is impossible to predict what can happen on the road, it is better to find out what kind of insurance you actually need. Driving for many of the ride-sharing services could potentially invalidate your personal auto insurance policy.
You should always be in the know as it pertains to your auto insurance. Working with an agent that serves the Laurel, MD area will make it easier for you to get reliable answers. Agents at Mid Atlantic Insurance Financial can help you find the necessary auto insurance policy if you plan on driving for Uber or any of the other ride-sharing companies that are out there.