Uber as the main company of Uber Eats maintains a commercial auto insurance policy with $1 million liability coverage per incident covered by. It is an interesting thing to discuss regarding the Uber Eats auto insurance service for the listed and registered partners of it.
The main idea of this insurance service under Uber Eats is for the drivers. We know that they are making deliveries of foods ordered through the Uber Eats app service.
All of those food vendors who have been registered as Uber Eats partners will automatically sign up for the insurance service within the whole scheme of Uber Eats.
Unfortunately, some said that the insurance is not the best option and that the delivery drivers should look for better insurance quotes around.
The Uber Eats auto insurance provides $1 million coverage of commercial auto liability insurance per incident.
Moreover, it offers commercial auto liability insurance as well between deliveries that could be $25,000, $50,000, or even $100,000.
On the other hand, it is reported that the average cost of food delivery commercial coverage is just about $273.08 per month.
Uber Eats Auto Insurance
So, does the auto insurance coverage from the insurance maintained by Uber enough for the registered partners?
Should there be other insurance coverage to get more amount of money in the form of coverage for accidents?
To answer those questions, it will all depend on the one registered as one of the Uber Eats partners. They will eventually consider the need for additional commercial insurance coverage or simply stick to the Uber Eats auto insurance.
When it comes to the alternatives of insurance provided by Uber, there are several popular names to consider for the best possible insurance coverage.
The one thing that most insurance companies focus on is the so-called gap coverage between orders.
USAA Ridesharing Insurance
One of the best alternatives to the auto insurance form Uber is the USAA Ridesharing Gap Coverage. It offers a personal insurance coverage extension with $6 added cost to pay alongside the already signed personal auto insurance.
This is additional insurance coverage to the auto insurance of Uber instead of standalone insurance. This insurance deals with the time gap for drivers while waiting between orders or requests.
This will maximize the possible coverage for accidents that happen during that period.
The American Family Insurance offers the same service as the USAAA in the Uber covered area in the US.
It offers the American Family Rideshare Endorsement that covers up a lot of things. Including property damage liability, medical payments coverage, as well as personal injury protection.
Geico Auto Insurance
On the other hand, Geico offers a slightly different type of insurance coverage than the Uber Eats auto insurance for Uber Eats partners.
The Geico Rideshare Insurance is a Hybrid Insurance Package. That means it will replace the coverage of the drivers’ auto insurance policy while driving for Uber.
This hybrid package of insurance from Geico will cost as low as $250. It is good to replace the personal insurance policy signed beforehand.
Regardless of the insurance coverage provided by Uber automatically for its partners within the scope of Uber Eats, there is a gap to be maximized by looking for an additional insurance policy.
The insurance coverage extension is always the best option to get more possible insurance coverage. Mostly during the waiting time between orders and deliveries.
That will greatly optimize the Uber Eats auto insurance coverage as well.
