Uber drivers rely on the platform’s insurance policy to protect them if they’re in an accident, but there are grey areas where coverage gaps exist. Personal insurance policies have their own stipulations, so once you have your app on, they will fight back against claims.
We offer Uber insurance in California that covers commercial activities to avoid risky coverage gaps.
Our team has 20 years of experience in the industry, helping commercial drivers:
- Maximize rideshare insurance coverage
- Fill gaps in Uber’s mandatory coverage
- Earn money without liability risks
We use our extensive experience to help you meet California’s insurance requirements and ensure that there are no gaps in your insurance coverage.
Qualified clients may be eligible for low or no down payment options that help them get on the road ASAP.
Why You Need Uber Insurance in California
Personal auto insurance policies only protect you when you’re not driving commercially. Once your app is on or a passenger is in your seat, you’re engaged in a commercial activity that is outside the scope of your standard policy.
Uber insurance, on the other hand, does a few things:
- Protects you when driving passengers to their destinations
- Covers you at times when there are gaps in Uber’s policies
- Extends across other rideshare apps, such as Lyft
We help you sign on to a policy that protects you, your passengers and your vehicle when driving for Uber.
Uber Insurance Requirements in California
Rideshare companies, like Uber, are mandated to provide drivers with insurance, which is:
- Online and available for a trip: $50,000 per person and $100,000 per accident for injuries; $25,000 for property damage
- Coverage when you’re en route or on a trip: $1 million for property damage and injuries; repair costs for your vehicle with a $2,500 deductible
Uber Insurance in CA fills in insurance gaps when you’re waiting for a ride or you’re offline. If a passenger walks out of your vehicle and someone hits your vehicle right after, this grey area will be covered by your new policy.
Our agents will review your existing liabilities and help you find a policy that fits in your budget and still fills these coverage gaps.
Who Needs Uber Insurance in CA?
California Uber insurance is meant for any rideshare driver. We add policies on top of your existing insurance with specific provisions for any accidents you may have while driving commercially.
Rideshare endorsements protect you in the event of:
- Liabilities that are not covered by your standard Uber insurance policy
- An existing insurer dropping your coverage after an accident
Uber’s insurance policy looks comprehensive, but it leaves you with exclusions that put your livelihood at risk.
We help you find a policy that is affordable and allows you to drive with confidence.
What Our California Uber Insurance Covers
Your vehicle is your livelihood, but you also need to minimize your own risk if you’re injured. Coverage options that we include offer the following:
- Liability: Injuries and other people’s property can both be damaged in an accident. Liability coverage is a requirement for all drivers, but if you don’t have a rideshare policy, you’re at-risk of serious liabilities.
- Collision and comprehensive: Any damage to your vehicle is covered under the umbrella of collision and comprehensive insurance. Policies also include more than standard damage, such as if the vehicle is damaged in a fire, natural disaster, vandalized or even stolen.
- Personal injury protection (PIP): Medical care is expensive, but Uber insurance provides coverage for it to help you receive the care you require.
- Uninsured/underinsured motorist: You may do everything right, but if the opposing driver doesn’t have insurance or lacks sufficient coverage, you’re still left with liability risks. Uber insurance covers these incidentals, too.
Don’t see the coverage options you want on the list above? Our agents can still assist you in providing the robust policy that you need to be a rideshare driver.
Why Drivers Trust Us
Uber Insurance in California offers drivers the extra protection necessary to safely open the app and offer fares. With the right policy, you add protection against liability risks that a traditional Uber policy overlooks.
Our agents know that adding more coverage isn’t always the best option.
We help identify the insurance providers who will match your needs best while also eliminating any policy “fat” to save you money.
Rideshare drivers appreciate our attention to detail and that we offer:
Flexible Payment Options
Pay the way you want. We make it easy for customers to pay for insurance using any payment method they see fit, including but not limited to:
- Check
- Credit card
- E-check
- Debit card
We also have multiple payment terms, such as pay monthly, in full or break your payment into two equal halves to better manage your cash flow.
Policies Tailored to Your Specific Requirements
Our agents review your rideshare insurance needs and customize a policy that ensures there are no insurance gaps to worry about. We can add or remove coverage to mix and match your policy based on risk tolerance.
Electronic DMV Service
Save time by not spending hours in line at the DMV. We send your insurance coverage details electronically to save you an unnecessary trip.
First Class Customer Service
Have a claim to make? Questions? Our agents make you a top priority to get you back on the road so that you miss as little time on the road as possible.