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A question about insurance, and Uber.?
My wife and I have State Farm. Our local agent told me that if we had an accident, while driving other people, using our car as a "taxi," i.e. Uber, any damages or injuries would NOT be covered by our insurance.
Don't people think of this when they turn their PERSONAL VEHICLE into a 'self-employed "taxi?"
4 Answers
- lucyLv 77 years agoFavorite Answer
In all personal auto policies, they exclude coverage in the above case and also in the course of business. A good example is a pizza delivery.
If you use your vehicle as a taxi, or if you deliver pizzas, then you must get a commercial policy or a rider/endorsement on your own personal policy and pay the addtl premium to be covered.
- TheTerminatorFanLv 77 years ago
Yea, Our agent said that he did not issue commercial insurance for taxis. Had to be REAL TAXIS - not personal vehicles with a mustache on the front. He heard that it would cost an additional $1,200 a year to get a real taxi commercial insurance. Just a matter of time before something bad happens to someone doing Uber and the passengers get killed...
- oklatomLv 77 years ago
If you use your vehicle for any commercial purpose, which will also include delivering pizza as well as being a taxi, you will not be covered unless you have commercial insurance coverage. People should know, it's a standard clause in your insurance policy which you should have read.
