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What kind of coverage do you have for your UberX?

  • Liability

  • Liability + collision

  • Liability + collision + comprehensive

  • Commercial and I am worry free!

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Discussion Starter · #1 · (Edited)
if you only have lability coverage, stop driving!

You must at least upgrade to collision coverage!

If you don't have collision coverage, in case you end up in an accident and with or without pax, you will be responsible from the material damage to your car.
 

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It looks like things have changed, opening a huge new insurance gap. From Uber's Dec 4, 2015 terms and conditions:

Company and its Affiliates are not required to provide you with any specific insurance
coverage for any loss to you or your Vehicle

You understand and acknowledge that your personal automobile insurance policy may not
afford liability, comprehensive, collision, medical payments, personal injury protection,
uninsured motorist, underinsured motorist, or other coverage for the Transportation Services
you provide pursuant to this Agreement. If you have any questions or concerns about the scope
or applicability of your own insurance coverage, it is your responsibility, not that of Company, to
resolve them with your insurer(s).

So it seems there is no longer a requirement that I carry collision coverage. My insurance agent says I will be dropped the second the insurance company knows that my car is being used for Uber, so collision coverage is as useless as libaility.

Any suggestions on where to find commercial insurance in the OR market?
 

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Can somebody please explain to me, in the latest agreement, where ANY insurance coverage is still offered by Uber, for anyone, under any curcumstances???
Why do I read the passage listed above as, "You are now responsible for ALL insurance coverage... for yourself, your passenger(s), all property and all ithers invokved in an accident with you."
What am I not understanding here?
Why is no one else but me freaking out about this?
 

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860 Posts
It looks like things have changed, opening a huge new insurance gap. From Uber's Dec 4, 2015 terms and conditions:

Company and its Affiliates are not required to provide you with any specific insurance
coverage for any loss to you or your Vehicle

You understand and acknowledge that your personal automobile insurance policy may not
afford liability, comprehensive, collision, medical payments, personal injury protection,
uninsured motorist, underinsured motorist, or other coverage for the Transportation Services
you provide pursuant to this Agreement. If you have any questions or concerns about the scope
or applicability of your own insurance coverage, it is your responsibility, not that of Company, to
resolve them with your insurer(s).

So it seems there is no longer a requirement that I carry collision coverage. My insurance agent says I will be dropped the second the insurance company knows that my car is being used for Uber, so collision coverage is as useless as libaility.

Any suggestions on where to find commercial insurance in the OR market?
If they are not required then quit charging the safe rides fee. Give it back to the drivers so they can afford insurance that will cover them.
 
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