Uber Crash Reality (Read This Before Your Next Shift)
My friend was online with Uber when a driver clipped the rear-left corner of his one-year-old Tesla. The finish was scuffed, no visible dent. Small hit—big lesson.
What most drivers don’t realize
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While you’re on trip, passengers have up to $1,000,000 in medical coverage.
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You (the driver) use your own PIP first, then you chase the at-fault driver’s BI for medical bills.
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Uber’s policy won’t typically pay your medicals. For your car, you can use Uber’s contingent coverage—$2,500 deductible—to repair damage.
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Even a “few hundred dollars” in cosmetic damage can easily price out near $1,000 when done right.
The hidden cost nobody budgets for
More time on the road = higher crash odds. If your car goes to the shop, that’s downtime—no rides, no income. I once sat a full month without pay after a stop-sign hit and the other driver never reimbursed my deductible.
Do this now
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Confirm your coverage: PIP, rideshare endorsement, and UM/UIM.
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Plan for the deductible: keep an emergency fund or a credit line ready.
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Document everything: photos, police report, app status screenshots.
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Estimate the ROI: minor scuffs? Sometimes waiting beats losing weeks of income.
👉 Protect your paycheck before the crash happens. Save this, share it with another driver, and check your policy today.