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Uber Insurance in New York City

Becoming an Uber driver can be an excellent way of making money, but you need to plan ahead if you want to avoid costly problems. This includes planning your Uber insurance requirements. If you do not have the right Uber driver insurance in place, you can end up being significantly out of pocket.

Get Uber Driver Insurance

Fill out the form below to get a quote for Uber Insurance.

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How much is insurance for an Uber driver?

Uber insurance is an Uber driver insurance policy that you need to have in place before you begin working as an Uber driver. Making sure that you have sufficient insurance for Uber driving means that you have peace of mind while you are out on the roads.

The insurance that Uber provides for drivers will not cover you while the app is not on. It also only provides $1 million liability cover which may not be sufficient. We are here to help you get the Uber insurance NYC that you need to make sure that any gaps in coverage are filled.

You can see how important it is when you realise that you are not automatically covered by Uber policies for all of your driving experience.

At all times, there is a $1,000 deductible in place, so you could be seriously out of pocket if you do not make sure that you get additional Uber car insurance. Speak to us if you have any questions about insurance for Uber drivers.

What kind of Insurance do I Need for Uber?

When you are looking at Uber insurance requirements, you need to make sure that you have the right Uber auto insurance for your situation. If you are wondering “What kind of Insurance do I Need for Uber?”, you have to understand what cover you need to deal with Uber insurance claims. The coverage that you need is the same as the types of coverage for rideshare drivers we listed above.

Doesn’t Uber provide insurance?

It’s true that Uber and Lyft provide insurance but there are plenty of Uber insurance issues that happen. Taking a closer look at Uber insurance coverage shows you how this can happen when you ask yourself “How does Uber insurance work?”

The cover provided by Uber’s own policy is as follows:

  • $1 million of Uber liability insurance coverage per incident.
  • $1 million of uninsured or underinsured motorist bodily injury coverage per incident.
  • No fault coverage.

You can see that this may not be sufficient when it comes to car insurance for Uber drivers. If you have any questions or concerns about this, we are happy to help with your Uber and insurance questions.

How does Uber driver insurance work with my car insurance?

You have two options when it comes to buying Uber insurance New York. You can invest in a separate commercial car insurance policy or you can buy insurance coverage for Uber drivers as an add on to your personal car insurance policy.

You can speak to us about the gaps in coverage that you want to fill and we will help you get an Insurance Certificate for Uber that is right for you.

How much is Uber insurance?

If you are wondering about Uber insurance costs, you should know that it’s relatively affordable. The exact cost of an uber car insurance NYC policy depends on personal requirements. However, you should be able to satisfy your Uber driver insurance requirements for around $20 per month.

Speak to us about your insurance requirements for Uber. We can help you to find the NYC Uber car insurance that you need.

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Rideshare Insurance

Rideshare insurance is rideshare car insurance that you should take out before you start working as a rideshare driver. It gives you the peace of mind of knowing that you are fully covered if you are involved in an accident while you are driving.

It does this by covering the gaps that are left by insurance that is provided by rideshare companies. For example, Uber insurance provides liability cover of $1 million but does not cover your own vehicle.

Uber insurance also only starts when the Uber app is switched on. To see why this is important, take a look at the following periods of the Uber hire process.

  • Period 0 – The app is off. Insurance provided by Uber does not cover you at this point.
  • Period 1 – You are online and available for hire. At this point, a low level of coverage is provided by Uber.
  • Period 2 – You accept a job and a higher level of insurance is provided by Uber.
  • Period 3 – The Uber insurance remains at a higher level while you have passengers in your vehicle.

Even when Uber insurance is at its highest, it still does not fully protect you. There is also a $1,000 deductible for comprehensive and collision insurance. You can see that you need to invest in affordable rideshare Insurance like we provide, in order to protect yourself financially.

Coverage Recommendations For Rideshare Drivers

In order to get the best rideshare insurance, you need to make sure that you get the coverage that you need. Here are the types of coverage that we recommend. We are happy to discuss them with you.

Liability

Liability insurance protects you against potential lawsuits. Although this type of cover is provided by Uber, it may not be sufficient in some circumstances. This is why buying rideshare insurance NYC is a good idea.

Comprehensive and collision coverage

Collision insurance provides you with cover for vehicle damage caused by crashes. Comprehensive insurance needs to be in place as well if you want to be covered for other issues such as theft and flood.

Collision with uninsured/underinsured motorist

If you are involved in an accident with an uninsured driver, this could be a problem. Making sure that you have the relevant insurance in place helps to give you increased peace of mind.

Medical bills

Medical costs can be hugely expensive. This makes it vital to have insurance that covers potential medical bills that you or other drivers may have as the result of an accident.

Gap coverage

This part of insurance is intended to cover the gap that is left by shortfalls in Uber insurance such as any deductible which may apply.

How Does A Rideshare Insurance Policy Work?

In some cases, you can get an endorsement that you can add to your personal car insurance. This helps to fill gaps that are not covered by the insurance provided by Uber.

Alternatively, you can purchase full rideshare insurance in NY. This type of policy combines personal insurance with business coverage.

I already have personal and employer-provided policies, do I need extra insurance?

The answer to this question is definitely yes. If you are an Uber driver in NYC, you need to make sure that you have reliable rideshare insurance NY. Failing to have this insurance in place could be very costly. You may think that you will never need the cover but the truth if you spend long periods on the road, you are more likely to have an accident.

To make sure that you have peace of mind, talk to our expert team about your rideshare insurance needs.

Taxi Insurance

We are committed to excellence in providing business and transportation insurance. This affords us the in-depth knowledge and experience to provide Taxi, Limousine, and Ambulette Insurance. The right insurance can protect you from your taxi or livery business from a multitude of unexpected situations.

Our goal is to ensure you receive the insurance coverage for your every need. Whether you are an owner, operator, or have a fleet of vehicles – we aim to find the best rates to keep your vehicle insured and on the move! We can help you find coverage from select brokers throughout the five boroughs. This includes collision coverage, automobile liability, and coverage for the employees utilizing the vehicles.

Taxi Insurance in New York City

Uber Insurance Staff in New York City

Best in the Industry

We have the most competitive rates, payment plans and deposits available. Our staff and call center will assist you with new policies, claims, changes and whatever is needed to make your driving experience a better one. Our office also offers online payments via credit card or check as well as recurring payments for all of our insured partners.

If you plan on driving for the rideshare industry or a taxi, the intricacies of insurance coverage can feel overwhelming. The different price points feel like money being taken directly out of your wallet.

This is where we come in.

Drive at Ease

You are at risk every day that you are on the road. Is that something you want to leave up to chance?

Call Us at 718-788-3585 for a quote today.