This is what my State Farm auto insurance agent told me about being a driver for Uber.
State Farm and most other large insurance companies will have no problem with me being an Uber driver, so long as I understand one thing. That is, as soon as I turn on the Uber Partner app (meaning I’m ready and waiting to accept a rider), and until I turn off the app (meaning I’m back to being a “normal” driver), I am not covered at all by my State Farm policy.
Uber provides insurance for its drivers, summarized here.
There is a gap that my agent pointed out. While I am waiting to accept a rider with the app on, State Farm doesn’t cover me at all, and Uber only provides liability insurance, so I will not have collision or liability insurance during that time. A tree better not fall on my car. I better not get into a collision, and an uninsured driver better not hit me during that time.
A very common suggestion on Uber driver videos is that while I wait for a passenger, I don’t cruise around, in fact I should park with my engine off while I wait. This would tend to both reduce the probability of an accident, and reduce my costs by not wasting gas while I wait.
Would you drive for Uber under these circumstances, assuming you have some desire to pick up some extra money?
Would you look for some supplemental insurance to fill that gap?
FYI, my car is brand new, a 2016 model just over a month old.