Are you an Uber Eats driver or want to be one? If you are, you should know about the Uber Eats insurance coverage. Yes, Uber Eats provides insurance coverage to Uber Eats drivers. The question is, what does this insurance cover?
Here in this article, we will explain what the insurance covers as well as other frequently asked questions regarding the insurance.
Uber Eats Insurance Coverage
Uber Eats provides the delivery-partners or drivers with insurance coverage. The following are the conditions where Uber Eats insurance coverage apply:
- Uber maintains $1,000,000 of commercial auto liability insurance coverage per covered incident
The $1,000,000 insurance coverage applies when a driver either accepts a food request or is delivering the requested food.
In the case of an accident, the $1,000,000 insurance coverage will cover the Uber Eats driver as well as any damages or injuries caused by the driver.
Another condition where the $1,000,000 insurance coverage applies is when an Uber Eats driver is injured by an underinsured/uninsured driver after they either accept a food request or are picking up food and delivering it.
In the case of an accident, the insurance will cover the damages and injuries that the Uber Eats driver suffers.
- Uber maintains $100,000/$50,000,$25,000 of commercial auto liability insurance which applies between deliveries
This Uber Eats insurance coverage applies when an Uber Eats driver is ‘on the clock’ or in other words when their app is open and available but before/after any food request.
The $100,000 coverage is applied per accident, the $50,000 coverage is applied per person, and the $25,000 is applied for property damage.
Frequently Asked Questions About Uber Eats Insurance
Now, let’s move on to the other FAQs.
- What should an Uber Eats driver do in case of an accident?
If an Uber Eats driver is involved in an accident, they should
- check the safety of all parties involved
- if necessary, notify the paramedics and police
- contact Uber through the Driver app. Go to the Help section, select Trip Issues and Adjustments then select ‘I was in an accident.’ Or, speak directly with Uber’s trained agent by tapping Call Support
- What is the coverage for a driver who is not at fault for the accident?
After a driver accepts a trip, Uber maintains coverage for Underinsured or Uninsured Motorist Bodily Injury on the driver’s behalf.
This insurance may apply to cover bodily in a case of a hit and run or when someone else (who is either underinsured or uninsured) is at fault for the accident
Does the insurance cover regular maintenance of a driver’s car?
No. Uber Eats drivers are considered independent contractors. Therefore, they are responsible for the regular maintenance of their cars.
Will the insurance cover a rental car for a driver who is involved in an accident?
No, the insurance will not cover for such a case. If Uber’s insurance is applicable, it may go toward the repair and replacement for the driver’s car up to the actual cash value of the said car.
Before this coverage applies, the driver must pay $1,000 deductible.
How are bodily injury and property damage defined?
The insurance policy defines what the terms bodily injury and property damage mean. For instance, insurance policy often defines bodily injury as injury, disease, or sickness.
It sustained by a person and death that results from any of the three while property damage is defined as loss of use or damage to tangible property.
The explanations above should give you a better understanding of Uber Eats insurance coverage. That said, if you want to be an Uber Eats driver, you should have your insurance just to be safe.
Accidents, after all, can be costly. Depending on your insurance policy, Uber Eats insurance may or may not be able to supplement it. We hope this helps.