Do Uber Drivers Need Special Car Insurance?

  1. 2777 POINTS
    Terry A. McCarthy, CLU, ChFC
    President, Insurance Associates Agency Inc., West Chester, OH
    Uber is an interesting new concept and with it there are new questions. Without reading your policy I can only give you a general answer but the personal auto policies I have read and studied have an exclusion related to the use of the auto to carry passengers for a fee without an endorsement modifying the limitation. I snagged this particular exclusion language for you from the ISO Personal Auto Policy (a common base for auto insurers to use in creating coverage): For that "insured's" liability arising out of ownership or operation of a vehicle while it is being used as a public or livery conveyance. Source: ISO Personal Auto Policy PP 00 01 01 05. There might be newer versions but this has been a longstanding limitation in the personal auto policy.
    Answered on February 2, 2015
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