Driving for Uber may seem like a flexible way to earn income, but it comes with serious insurance responsibilities. Whether you are logged into the app or actively transporting passengers, the level of required insurance coverage changes depending on your activity. Failing to understand these insurance policy requirements for Uber drivers in Calabasas could leave you vulnerable, especially after an accident.
If you were involved in a crash while driving for Uber—or if you were injured by an Uber driver—it is critical to know when and how the rideshare company’s insurance applies. These cases are not always straightforward. A rideshare accident lawyer from Swift Justice could help you understand your rights, navigate insurance policies, and recover compensation.
Uber does not treat every moment you spend driving in the same way. Your level of insurance coverage as an Uber driver depends on what you are doing at the time of the Calabasas crash. Three distinct periods determine which policy applies.
When a driver has the app on and is waiting for a ride, Uber’s limited liability coverage adds additional coverage—$25,000 for property damage, $50,000 per person, and $100,000 per accident for bodily injury. However, this only applies if your personal auto insurance denies the claim. It is designed to act as secondary coverage, not a primary policy.
Once you accept a ride and are driving to pick up the passenger, Uber’s commercial insurance takes over and includes:
This policy offers stronger protection, recognizing that you are now actively engaged in rideshare duties.
During the trip—when a passenger is in your vehicle—the same $1 million policy remains in effect. Coverage continues until the passenger exits the vehicle and the trip is marked complete.
Although Uber offers commercial coverage, it does not replace your personal auto insurance. As an Uber driver in Calabasas, you are still legally required to carry minimum personal insurance under California law. The minimum requirements are $15,000 for injury or death to one person, $30,000 for injury or death to multiple people, and $5,000 for property damage.
However, many personal policies exclude coverage when the vehicle is used for commercial purposes. That is why Uber drivers often need a rideshare endorsement or a separate hybrid policy that explicitly covers both personal and rideshare use. Without it, your insurer may deny your claim—even if you were not at fault.
Whether you are a driver or passenger, a crash involving a rideshare vehicle creates unique challenges. Determining which insurance policy applies and how to pursue compensation can be confusing.
Accidents involving Uber drivers may require:
For non-rideshare parties—such as a pedestrian or a driver of another vehicle—it is essential to determine the rideshare driver’s app status at the time of the crash.
Special rideshare insurance policies do not apply unless a Calabasas Uber driver is logged in—only personal insurance would apply if they are not active in the app. But if the driver was on the job, Uber’s commercial policy may cover the cost of your injuries.
Whether you drive full-time or part-time, knowing the insurance policy requirements for Uber drivers in Calabasas is essential. A single crash can quickly turn into a financial disaster if you are not adequately covered or if the insurance companies try to deny your claim.
If you were injured in a rideshare accident or have questions about your coverage, do not wait to get answers. Connect with the legal team at Swift Justice. We understand the rideshare industry and are ready to help you move forward with clarity and confidence.
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