🚘💼 Uber ／ Lyft 司機保險完全指南：四州差異 × 必買保險 × 平台不保的陷阱
很多 Uber、Lyft 司機以為平台會「全程」提供保險，但真相是：
❌ 只有在特定階段（Phase 1–3）才有保險。
❌ 影子司機（帳號 A → 人 B）平台會直接拒賠。
❌ 沒買 TNC endorsement 的個人車險也會拒賠。
不同州差異更大：加州最嚴格、德州適中、佛州最寬鬆、紐約有自己的 Taxi 系統（TLC）。
🚦 1. 司機一定要懂的 Uber／Lyft 三階段保險（全美一致）
📍 Phase 0 — App 關閉（完全沒有保障）
- ❌ Uber / Lyft 完全不賠
- ❌ 個人車險可用，但如果司機在「找客人」，保險公司可拒賠
這是司機最危險的階段。
📍 Phase 1 — App 開啟（等待叫車）
- 🛡 Liability（基本責任險）約 $50k / $100k / $25k
- ❌ 不保司機自身醫療費用
- ❌ 不保車子的損失
保額低，非常有限。
📍 Phase 2–3 — 已接單 → 正在載乘客
- 🛡 $1,000,000 商業責任保險
- 🛡 $1,000,000 UM/UIM（無保險／保額不足駕駛）
- 🛡 Collision（限司機本身有 full coverage）
這是唯一完整的保險時段。
🌎 2. 四州差異：加州、德州、佛州、紐約完全不同
🌉 加州 California（最嚴格、保費最高）
- 🔸 必須有 TNC endorsement
- 🔸 平台必須提供 UM/UIM
- 🔸 保費全美最高
🤠 德州 Texas（規範適中、保費親民）
- 🔸 多家保險公司提供便宜的 TNC endorsement
- 🔸 平台保險跟全國一致
🌴 佛州 Florida（最寬鬆、保費最低）
- 🔸 TNC 規範鬆 → 許多司機沒有加保
- 🔸 保費便宜但風險高
🗽 紐約 New York（完全不同 → TLC Taxi 系統）
- 🔸 Uber / Lyft 司機＝Taxi 司機
- 🔸 必須投保商業計程車保單（Commercial Livery）
- 🔸 年保費可能 $10,000～$25,000
- 🔸 平台保險不主導，TLC 規定才主導
紐約市是全美唯一與其他州完全不同的 Uber/Lyft 司機保險系統。
🛡 3. 司機「一定要自己買」的保險（最重要）
✔ ① TNC / Rideshare Endorsement（司機的命）
沒有這個，個人車險可以完全拒賠。
✔ ② Full Coverage（Comp + Collision）
平台的 Collision 只有在司機本身也買 full coverage 時才啟動。
✔ ③ Medical Payments / PIP（司機本人受傷保障）
平台不保司機醫療費，只有乘客醫療費。
✔ ④ UM / UIM（最重要的自我保護）
Hit-and-run、對方無保險、對方保額不足 → UM/UIM 會救司機一命。
✔ ⑤ Income / Disability（司機停工保障）
Gig worker 若不能開車＝沒有收入。
👤 4. 影子司機（借牌司機）＝平台保險 100% 失效
影子司機的風險：
- ❌ 平台理賠無效
- ❌ 車險拒賠（違反保單用途）
- ❌ 可能被平台永久封帳
強烈警告：不要借帳號、不要替人開車。
📝 5. 司機如何自保？（五步驟）
- ① 先確認自己的車險有 TNC endorsement
- ② Full coverage 一定要有（否則車子被撞沒人保）
- ③ UM/UIM 一定要買到足額
- ④ 不做影子司機、不要給別人開你的車
- ⑤ 保留行程紀錄、平台文件
🔗 6. Emergency 系列 Interlink
❤️ 結語
平台保險不是 24 小時，司機要靠自己買的保單來補強。
多一份保障，就是多一份安全。
🚘💼 Uber & Lyft Driver Insurance Guide: State Differences, Required Coverage & Hidden Gaps
Many Uber and Lyft drivers mistakenly believe the platform provides full-time insurance. In reality:
❌ Coverage only exists during specific phases (1–3).
❌ Shadow drivers immediately invalidate all coverage.
❌ Personal auto insurers can deny claims without a TNC endorsement.
State differences are huge: California is strict, Texas is moderate, Florida is loose, and New York operates under a unique TLC taxi system.
🚦 1. The Three Insurance Phases (Same Nationwide)
📍 Phase 0 — App Off
- ❌ No Uber/Lyft commercial insurance
- ❌ Personal insurance may deny claims if driver was “seeking fares”
📍 Phase 1 — App On, Waiting for Requests
- 🛡 Liability: ~$50k / $100k / $25k
- ❌ No driver medical coverage
- ❌ No coverage for the driver’s vehicle
📍 Phase 2–3 — Trip Accepted → Passenger Onboard
- 🛡 $1M commercial liability
- 🛡 $1M UM/UIM
- 🛡 Collision (only if driver carries full coverage)
🌎 2. State Differences: CA, TX, FL, NY
🌉 California — Strictest, Highest Premiums
- 🔸 TNC endorsement required
- 🔸 UM/UIM required
- 🔸 Premiums among the highest in the U.S.
🤠 Texas — Moderate Rules, Affordable Premiums
- 🔸 Many companies offer TNC endorsements
- 🔸 Platform coverage same as national standard
🌴 Florida — Loose Rules, Low Premiums
- 🔸 Weak TNC regulations
- 🔸 Many drivers uninsured or underinsured
🗽 New York — Entirely Different (TLC Taxi System)
- 🔸 Uber/Lyft drivers = taxi drivers
- 🔸 Must carry commercial livery insurance
- 🔸 Annual premium can exceed $10,000–$25,000
- 🔸 Platform coverage secondary to TLC rules
🛡 3. Insurance Drivers MUST Buy
✔ 1. TNC / Rideshare Endorsement
Without this endorsement, personal auto insurers can deny all claims.
✔ 2. Full Coverage (Comp + Collision)
Required for Uber/Lyft collision coverage to activate.
✔ 3. Medical Payments / PIP
Platform insurance does NOT cover the driver’s own medical bills.
✔ 4. UM/UIM
Critical for hit-and-run, uninsured or underinsured drivers.
✔ 5. Income Protection / Disability
Gig workers rely on their ability to drive—injury = no income.
👤 4. Shadow Drivers = 100% Coverage Denied
Borrowed accounts or substitute drivers lead to:
- ❌ Platform claim denial
- ❌ Auto insurance denial (misrepresentation)
- ❌ Permanent account deactivation
📝 5. How Drivers Protect Themselves
- ✔ Carry a TNC endorsement
- ✔ Maintain full coverage
- ✔ Buy UM/UIM
- ✔ Never allow others to drive under your account
- ✔ Keep trip and platform records
🔗 6. Emergency Series
- 🚑 Ambulance Billing Explained
- 🔥 Private Firefighting Insurance Gaps
- 🚗💥 Uber/Lyft Passenger Accident Coverage
❤️ Final Thoughts
Platform insurance is limited and conditional. Drivers must protect themselves with the right policies. A strong insurance setup is essential for safety and financial stability.