What car insurance do I need for Uber in PR?

The Uber platform has become a great alternative, both for those looking to generate additional income and for those looking for a full-time job. If you've also considered offering your services through this company, you're probably wondering how to work at Uber Puerto Rico? What car insurance do I need for Uber in PR? Read on, we will clarify your doubts immediately.

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How to work at Uber Puerto Rico?

If you live in Puerto Rico and are determined to become a driving partner of Uberyou should know what you need to start generating income with your car as quickly as possible.

These are the requirements to work at Uber Puerto Rico:

• Driving license in progress.
• Profile picture.
• Driving license.
• Driving document, issued by the Department of Public Works.
• Certificate of authorization to drive ERT (you can request it on the page www.renovacionesonline.com of the NTSP).
• Private car insurance with vehicle model and year.
• ERT driver franchise certificate (you can request it on the www.renovacionesonline.com of the NTSP).
• Watch the training video

Note: Remember that the requirements for working with this app are generally slightly different in each country.

Once you are a driving partner, you can work as many hours as you like within the hours most convenient for you. But there are several aspects you need to take into account:

• You must strictly charge what uber indicates, you cannot charge additional fees.
• You can only accept people who request it through the app.
• You must respect the traffic rules and of course do not drink alcohol before or after your travels.

What car insurance do I need for Uber in PR?

If you are a responsible and law-abiding driver, you probably already know this you must have state-accepted personal auto insurance. However, you may be wondering if this coverage is enough to work with Uber, right? We will clarify your doubt soon.

Your personal auto insurance policy must have comprehensive and collision coverage to be accepted by Uber. If you are looking for an insurer to acquire a policy and work with this company, Liberty Mutual policies are a good option. This insurance company signed an agreement in early 2021 to provide protection for both drivers and passengers using the Uber platform.

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Insurance for Uber drivers

Currently, Uber provides all of its driving partners with auto insurance in their name which includes coverage for the driver of the vehicle, passengers and any damage to third parties. The condition set by the company for you to obtain this coverage is that your personal policy has coverage for collisions and all risks.

How does driver insurance work?

This insurance only offers coverage when you are active with the Uber app and it depends on the activity you are currently doing. The policy applies regardless of whether you are available awaiting a request for a ride, on the way to pick up a customer or are already transferring the passenger to their destination. Coverage is as follows:

When you are available and awaiting a request for a ride:

Liability to third parties as long as your personal insurance does not apply:

• $ 50,000 per person for personal injury
• $ 100,000 per personal injury accident
• $ 25,000 per accident for property damage

Third party damage coverage covers other drivers, pedestrians or property when you are at fault.

When you go looking for a customer and while traveling:

• $ 1,000,000 third party liability
• Physical injury for uninsured or underinsured drivers
• By collision and against all risks
• Up to the actual cash value of the car ($ 1,000 deductible)

This Uber insurance also offers you coverage in the event that the fault of the accident lies with a third party who does not have a policy or their coverage amount is insufficient.

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Uber Coverage: Summary

Coverage for Uber driving partners works as follows:

From the moment you are connected to the app, even when you are waiting for an order, you have coverage for damages to third parties. This damage is what you do to other cars or other people. The policy is liable for any damage to property and medical expenses incurred by another driver, passenger or other person as a result of an accident for which you are responsible.

In addition to coverage for third parties, you will be covered once you search for the user and bring them to their destination. In that case, you will be covered if someone hits you and you don't have insurance or if you take a trip. Plus, you have general accident coverage, regardless of whether you were at fault or not.

Please note that when you are offline or the app is disabled, the coverage that applies is that of your personal policy. Therefore, any accidents during that time period are not covered by Uber's policy and will need to be covered by your personal policy. Finally, remember that in order for your personal vehicle policy to be accepted by Uber, it must have comprehensive and collision coverage.

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