Question

Do you have to have full coverage to drive for Uber in Illinois?

I was in a car with a driver that only had liability and that makes me feel unsafe.

Jun 3, 2020 Chicago, IL

Answer
Ross Martin

Jun 3, 2020

While passengers are in the vehicle, most rideshare insurance is handled by Uber or Lyft. Passengers are covered for any injuries sustained during such a ride. When a passenger isn't in the vehicle, things get a little tricky.

Technically, a driver only needs to have liability insurance to be legal in many states. However, many carriers do not support rideshare activity without having a special endorsement that provides rideshare coverage. At certain points in an Uber or Lyft ride, the driver could go from their personal policy to leaning on their rideshare endorsement to — ultimately — being covered by Uber or Lyft's coverage. Read more about rideshare insurance here.

Full coverage covers physical damages to your vehicle from an at-fault accident or weather events. If you have a newer vehicle or it is valuable then having this coverage is strongly suggested. Hope this helps put you at ease!


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