Totaled my car under Geico insurance while driving for Uber. How can I get coverage?

If your car was totaled while driving for Uber under your Geico insurance policy, you may face challenges with coverage because standard policies typically don't cover commercial activities like ridesharing. Here's what you need to know and what steps to take next:

• Geico's standard car insurance policies are designed for personal use, not for commercial purposes such as driving for Uber. This means there is often a gap in coverage when accidents occur during ridesharing activities.

• It's important to inform Geico about the accident and disclose that you were driving for Uber at the time. They will explain the limitations of coverage for commercial use under your current policy.

• Uber provides some level of commercial insurance coverage for its drivers, but it may act as secondary coverage or have specific restrictions depending on the circumstances of the accident. Review your Uber driver agreement to understand what coverage they offer and how it applies to your situation.

• To ensure you have adequate coverage while driving for Uber, look into obtaining a separate commercial insurance policy specifically tailored for ridesharing or delivery drivers. These policies are designed to cover commercial activities and may provide more comprehensive protection than a standard personal policy, albeit at a higher cost.

Navigating insurance issues between Geico and Uber requires understanding the specific coverage gaps and exploring available options to ensure you're properly covered while driving commercially.

Have more to contribute? We'd love to hear from you in the comments.