Fact Check

Fact Check: Do Uber drivers have to pay a $2,500 deductible when they allow 6 riders?

A driver shared a Facebook post this weekend that claims that his insurance deductible is $2500 if he were to allow 6 riders inside his vehicle.

While there is a $2,500 deductible on both Uber and Lyft, this simply does not occur if you allow 6 people inside your Uber or Lyft vehicle. This only applies to when there is an accident and it is determined you (the Uber/Lyft driver) are at fault. i.e. you caused this accident.

With that said, before COVID-19, XL drivers were allowed to take up to 6 passengers. XL drivers are now limited to 5, and X (standard on Lyft) is limited to 3 because there are to be no passengers in the front seat. If an accident were to occur, and it is found you are to be in violation of this policy, that does give a reason for the insurance company to not cover you. While this is not legal advice, If you have ever been in any kind of accident, you know the insurance companies quickly remind you they are not your friend and will try to squirm their way out of paying.

Will you be taking extra riders knowing you may be financially responsible in an accident? Let us know in the comments below!

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