It is important to know what your personal auto policy does and does not cover. Uber.com is a relatively new website that allows you to drive or ride share with other individuals within your area. You can get paid to drive people to and from work, social events, and more. You use your own car, and choose the hours that you wish to work.
In many instances, your auto policy will provide sufficient coverage because you are not using your car for significant distances and because you are not earning 100% of your income from Uber.com. This means that a standard personal auto policy should cover you in the event of an accident while you are driving someone that you met through the website service.
If you are unsure as to what your coverage will and will not provide, it is advantageous to call your insurance company. This will allow you to review your auto policy and determine whether you have the coverage or not. In the event of an accident, you want to make sure that your personal coverage is sufficient so that you are not left with a variety of bills.
Looking at the level of coverage that you have should be done as you may want to increase some of the liability. This ensures that when there is an accident, it will cover everyone who is in the car – and because of Uber.com, there may be more people than what you are traditionally used to driving around.
You don’t want to get stuck with a bunch of medical and property damage bills, so it is best to call and talk to your insurance company to ensure that your personal coverage is sufficient prior to ever signing up on the website. If you begin to drive with more frequency, you may want to increase your liability or even switch to commercial coverage. This will protect you against all the odds and look out for your personal finances at the same time.