If you’re contemplating becoming an Uber driver in Pismo Beach, CA, you must consider commercial auto insurance. The short answer is yes—all Uber drivers in California are required to have commercial auto insurance.
Why Commercial Auto Insurance is Required for Uber Drivers in California
In order to Uber in California, you must have commercial auto insurance—this is non-negotiable. This is because personal auto insurance policies typically exclude coverage for business-related activities. So, if you were to get into an accident while driving for Uber, your personal auto insurance policy would likely not provide any coverage.
This would leave you on the hook for any damages or injuries resulting from the accident, which could end up costing you thousands of dollars. To protect yourself financially, ensuring you have the right insurance before driving for Uber is essential.
Your Neff & Associates Insurance Services Inc representative can help you get the right commercial auto insurance policy in place so that you can focus on driving in Pismo Beach, CA, and earning money—not insurance.
What Kind of Coverage Do I Need?
The level of coverage you’ll need will depend on a few factors, including the state in which you’ll be driving and the size of your vehicle.
You may also consider getting uninsured/underinsured motorist coverage, collision, and comprehensive coverage. These coverages will help protect your vehicle if it’s damaged or stolen.
Remember that your commercial auto insurance policy will probably be more expensive than your personal auto insurance policy. However, it’s important to remember that the peace of mind and financial protection that comes with having the right insurance is well worth the additional cost.
Besides commercial coverage, you still need to maintain a personal auto insurance policy. Your commercial policy will not cover you when you’re not working or if you use your vehicle for personal reasons.
Your Neff & Associates Insurance Services Inc representative can help you understand the coverage and customize a policy that meets your needs.