During this phase, the Uber driver’s personal policy is, again, the first source of coverage. However, Uber’s insurance policy provides an additional $50,000 per person/$100,000 per accident in third-party coverage. For accidents in this category, Uber’s policy would cover injuries caused to those other than the driver or the passenger, such as a pedestrian or another motorist.
In Illinois, all motorists must maintain bodily injury liability coverage of at least $25,000 per person/$50,000 per accident. Many personal insurance policies contain exclusions for accidents that occur while transporting someone for a fee. Many accident victims have been frustrated to learn that an at-fault driver’s insurance policy will not cover their claim because the driver failed to purchase a rideshare endorsement. Thus, Uber drivers can (and should) purchase rideshare insurance. However, not all drivers opt to take on this additional expense.