If you are one of those people who have signed up for Uber bonuses, then the sheer fun of transporting clients or making money, you have seriously thought about becoming a professional Uber driver.
However, before you do anything, you might have thought about car insurance for your car and what would happen if you got an accident. This is where Uber medical insurance come in.
This guide breaks down all you need to know about Uber best Insurance.
Uber driver Requirements
To become an Uber driver, you need to show an appropriate level of auto insurance coverage. These are the requirements:
- You must have either a third party or a comprehensive property damage cover
- You have to be registered as an insured driver on the cover, even if the car you are driving is not yours.
- The liability insurance cover must contain information about the car, year of registration, model, and year of make.
- The liability insurance must also outline an expiry date.
Uber Insurance Coverage for Passengers
In case you get injured in an Uber car and it affects your health, damages and injury will be covered by insurance. However, whose policy works? Rideshare company or the driver.
While the growth of the rideshare business has created a lot of opportunities for people, there has also been an increase in problems that were not initially considered in transportation.
Before the sharing economy, if wanted a ride, you either looking for a taxi or other services. Alternatively, you would ask your family member or friend to drive you. Firms such as Uber have somewhat blurred the lines.
Therefore, if you are hurt as a passenger in an Uber that has gotten into an accident and require emergency health services, are you going to be indemnified for injuries and damaged caused? And if so, how is it going to be done.
Keep in mind, the insurance company if the at-fault driver is the one that is supposed to cover for the damages and pay for any injuries, regardless of whether it is the other driver or your driver involved in the crash.
Whose Insurance Cover is to Be Used?
The Uber car medical insurance will also cover a passenger injury if the driver has a personal auto cover or commercial insurance cover with a designated segment providing cover while doing ride-sharing business.
Keep in mind that many ride-sharing drivers may not have personal or commercial insurance. Their personal auto insurance cover may have a section of “ business use exception” that can not compensate for damages that happen when the insured is a for-profit motorist.
The good thing, however, is that Uber has third party liability best insurance cover which covers up to 1 million dollars for property and personal damage in a single accident.
The policy becomes effective when the personal insurance of the Uber driver is exhausted, but that is if the driver has a viable Uber policy.
Uber for Children
Uber a special service for parents who have children and want them to get home from school using an Uber cab.
Uber for Senior Citizens
Uber also that offers special services for senior citizens. According to stats, senior citizens about 35% of total rides in many places. This special offer has attracted more senior citizens on the Uber platform.
Features of Uber
- Any user can access the Uber app through their mobile phone and get a car with Uber at their location.
- The drive can either accept or reject rides.
- If the driver accepts a request, his details are forwarded to the customers' phone via ETA.
- The passenger can monitor the driver as he moves towards his location.
- The driver can also follow the exact location of the passenger and get to their exact location.
- The driver handles the payment process.
- Some countries such as India use cash, which is given directly to the driver.
- Also, Uber business structure has a rating system where customers can rate the driver after the service
How Uber Works?
As you already know, Uber is by far the fasted growing ride-sharing provider on the planet. What you need to do as a passenger is to take out your mobile phone, switch on the Uber app and request a ride. After several minutes, a car will pack by to pick you up and transport you from where you are to your destination
There is a fierce competition between this service and private transportation or taxi, allowing users to choose their ideal choice that spans across the price scale. It does not matter if it is UberLux or UberPOOl, you have many options to fit your budget and ride needs.
The difference between Uber and other private vehicles and cars is that drivers are the owners of their cars and drive their cars when giving rides.
The drivers are described as contractors and are not under direct employment by Uber, but instead, conduct their business that is managed by Uber.
As long as you have a qualified car and have passed all the requirements and background checks, you can get on the road and start to drive people around today.
Uber is highly effective, secure and reliable for anyone looking for a quick ride home, school, or to work.