uber
Driving for Uber seems like a pretty easy way to make some extra money, but there are a handful of factors that make it more complicated than you might expect.
为Uber开车似乎是赚钱的一种简单方法，但是有很多因素使它变得比您预期的要复杂。
Many Uber drivers do make a decent living from driving people around, whether they do it full-time or only part-time on top of their main income, but it’s important to keep in mind that there’s more to driving for Uber than just signing up, getting approved, hopping in your car and driving people around. Here are some things to keep in mind if you’re thinking about becoming an Uber driver.
许多Uber司机的确能从周围的人周围获得体面的生活，无论他们是全职还是仅靠打工赚取主要收入，但重要的是要谨记，为Uber驾车不只是签约，获得批准，跳上车来开车兜风。 如果您想成为Uber司机，请记住以下几点。
汽车保险可能是一个棘手的情况 (Auto Insurance Can Be a Sticky Situation)
When I looked into becoming an Uber driver, auto insurance didn’t even come to mind, but my brain clicked as soon as I saw the word “insurance” during the sign-up process. It turns out, most insurance companies don’t offer coverage if you’re using your car as a taxi of sorts.
当我打算成为Uber司机时，甚至都没有想到汽车保险，但是在注册过程中，我一看到“保险”一词，我的脑袋就响了。 事实证明，如果您使用汽车作为出租车时，大多数保险公司都不提供承保范围。
However, Uber does automatically give you its own auto insurance coverage, but it’s the bare minimum coverage that most drivers usually wouldn’t want (there’s a $1,000 deductible for collision coverage). This still may seem fine and dandy, but Uber’s insurance will only cover you if your personal insurance doesn’t.
但是，Uber会自动为您提供自己的汽车保险，但这是大多数驾驶员通常不想要的最低保险额(碰撞险的自付额为1,000美元)。 这看起来似乎还不错，但如果您的个人保险不提供，Uber的保险将只承保您的费用。
What’s the problem here? The problem is that when you file the incident report with Uber, they’ll call your personal insurance company first to check if you have comprehensive and collision coverage (because Uber won’t offer it for you if you personally don’t have it), and when your insurance company finds out that you were driving for Uber at the time of your accident (or that you’re driving for Uber, period), a lot of experienced Uber drivers say that they’ll likely drop you like a rock and cancel your entire policy with them for violating terms. It turns out that most insurance companies don’t like it all if you drive for Uber.
这是什么问题 问题在于，当您向Uber提交事件报告时，他们会首先致电您的个人保险公司，以检查您是否具有全面的碰撞保险(因为如果您个人没有 Uber 不会为您提供报告 ) ，并且当您的保险公司发现您在事故发生时为Uber开车(或者您为某时期的Uber开车)时，许多有经验的Uber司机说他们很可能会像石头一样摔倒您并取消他们违反条款的整个政策。 事实证明，如果您开车去优步，大多数保险公司都不喜欢这一切。
This can make it a lot harder to find a new insurance company without your premium getting hiked–getting dropped by an insurance company is a lot like your credit score taking a dive.
这可以使很多很难找到一个新的保险公司没有你的保费上调得到，得到由保险公司下降是很多像你的信用评分采取了潜水。
So what are your options? There are a small handful of Uber-friendly insurance companies who don’t mind that you drive for Uber, but they could still deny your claim. However, there are some insurance companies that offer specific policies that give drivers full coverage while driving for Uber, but these companies are few and far between depending on what state you live in. In Indiana, for instance, Erie Insurance and Geico both offer a policy aimed at Uber drivers, but I personally have yet to find an insurance company that can give me a quote that isn’t astronomically more expensive than what I pay now.
那么您有什么选择呢？ 少数Uber友好型保险公司不介意您开车前往Uber，但他们仍然可以拒绝您的索赔。 但是，有些保险公司提供特定的保单，在为Uber驾驶时为驾驶员提供全面的保险，但是这些保险公司之间的差距很小，取决于您所居住的州。例如，在印第安纳州，伊利保险和Geico都提供这项针对Uber司机的保单，但我个人尚未找到一家可以给我报价的保险公司，该报价在天文上并没有比我现在支付的价格昂贵。
You can also buy commercial/business insurance pretty much from any insurance company, even if they aren’t Uber-friendly with their personal policies, but these types of policies are, again, usually really expensive.
您也可以从任何一家保险公司购买很多商业/商业保险，即使他们的个人保单对Uber不友好，但这些保单通常又非常昂贵。
优步降价20％ (Uber Takes a 20% Cut)
While this isn’t too surprising to hear, it’s often something that you don’t think about. Uber has to make money somehow, and it does that by taking a small portion of your earnings.
虽然这听起来并不令人惊讶，但通常是您没有想到的。 Uber必须以某种方式赚钱，而这只不过需要您赚取一小部分收入。
20% isn’t a whole lot, but it can add up. If you give a ride that ends with a $15 fare, Uber takes $3 of that, leaving you with $12 in cold-hard income. That’s still a decent amount, though, but if you end up grossing $600 per month in fares, Uber takes a whopping $120 of that. So don’t base your income solely on what the fares themselves are.
20％并不是很多，但可以加起来。 如果您乘坐的票价以$ 15美元结尾，那么Uber会乘其中$ 3美元，而您却只有$ 12美元的辛苦收入。 虽然这仍然是一个不错的数额，但是如果最终您每个月的总收入是600美元，Uber就会获得其中的120美元。 因此，不要仅仅根据票价本身来确定您的收入。
您自己缴税 (You Pay All of Your Own Taxes)
On top of Uber’s 20% cut, you also have to pay 100% of the taxes owed on that income. Welcome to the life of an independent contractor!
除了优步削减20％的税费外，您还必须支付该收入所欠税款的100％。 欢迎来到独立承包商的生活！
When you’re an employee at a company, they’ll pay around half of your FICA taxes while you pay the other half (on top of your income tax that you’ll need to pay, which is likely withheld). However, if you’re an independent contractor, you have to pay every penny of your FICA taxes. You’ll receive a 1099 when tax season approaches, instead of a W-2.
当您是公司的员工时，他们将支付大约FICA税的一半，而您则支付另一半(除了您需要缴纳的所得税之外，这很可能会预扣)。 但是，如果您是独立承包商，则必须支付FICA税的每一分钱。 税收季节临近时，您会收到1099，而不是W-2。
You can do a handful of things to minimize your tax payments, like making sure to write off every possible expense that you can. It might be best to talk with an accountant about your options.
您可以做一些事情来最大程度地减少纳税额，例如确保注销可能的所有支出。 最好与会计师讨论您的选择。
您的汽车必须较新并且有四扇门 (Your Car Must Be Newer and Have Four Doors)
If you’ve always wondered why you only see Uber drivers driving newer cars, that’s because Uber requires drivers to do so.
如果您一直想知道为什么只看到Uber驾驶员驾驶新车，那是因为Uber要求驾驶员这样做。
At the time of this writing, your car must be a 2005 or newer, and it also has to have four doors, so you’re out of luck if you drive an older vehicle or a coupe, as Uber won’t let you use a car like that.
在撰写本文时，您的汽车必须是2005年或更新的汽车，并且还必须有四个门，因此，如果您驾驶的是旧车或双门轿跑车，那么您就不走运了，因为Uber不允许您使用这样的车。
Your car must also not have any cosmetic damage or mechanical issues. This isn’t a requirement per se, but it could affect your driver rating if a passenger is put off by those squeaky brakes.
您的汽车也必须没有任何外观损坏或机械问题。 这本身不是必需的，但是如果乘客被那些吱吱作响的刹车拖延下来，则可能会影响您的驾驶员评分。
审批过程可能需要一段时间 (The Approval Process Can Take a While)
When you go to sign up to be an Uber driver, you’ll need to go through a background check and a driving history check. These things aren’t instantaneous, so it will take at least a few days to get approved to drive, and sometimes even longer.
当您注册成为Uber司机时，您需要进行背景检查和驾驶历史检查。 这些事情不是瞬时的，因此至少要花几天时间才能被批准开车，有时甚至更长。
Some Uber drivers have told me that it took months to get them approved because something came up on their background check and Uber had to check up on it through other sources. It usually turns out to be nothing, but it’s simply Uber doing their due diligence.
一些Uber司机告诉我，批准他们花了几个月的时间，因为他们的背景调查出了点问题，Uber不得不通过其他渠道对其进行检查。 通常结果没什么，但这只是Uber进行的尽职调查。
您的汽车维修费用将上升 (Your Car Maintenance Costs Will Go Up)
You probably know that you’ll be spending more on gas when you start driving for Uber, but with gas prices this low, that might not be a big concern for you. However, what should be a big concern is your car’s maintenance costs.
您可能知道，开始为Uber开车时，您会在汽油上花费更多，但是由于汽油价格如此之低，这对您来说可能不是什么大问题。 但是，您汽车的维护成本应该是一个大问题。
These costs will go up the more you drive your car around. You’ll need to get oil changes more often, and you’ll need to get parts replaced more often than normal. Plus, when you put more miles on your car and drive it around a lot more than you have been, the chances of something breaking down increase significantly.
这些费用将随着您开车的次数增加而增加。 您将需要更频繁地换油，并且需要比平常更频繁地更换零件。 另外，当您在汽车上行驶更多的里程并以比以往更多的速度行驶时，发生故障的可能性将大大增加。
My advice? If you plan on driving for Uber, find a reputable mechanic and become his friend.
我的建议？ 如果您打算为Uber开车，请找一位有名的机械师并成为他的朋友。
In the end, it’s not quite as simple to sign up for a ridesharing service like Uber or Lyft, but it’s not too overly complicated either, just as long as you can get the whole insurance mess figured out. Lyft has been known to be a bit easier to sign up for and get approved, but they also have a higher deductible on their insurance ($2,500 instead of $1,000), so keep that in mind.
最后，注册像Uber或Lyft这样的拼车服务并不是那么简单，但是只要您能弄清楚整个保险问题，它也不会太复杂。 众所周知，Lyft可以更轻松地注册和获得批准，但是他们的保险自付额也更高(2,500美元而不是1,000美元)，因此请记住这一点。
Image Credits: Uber, Pictures of Money/Flickr, Sean McMenemy/Flickr, Chris Potter/Flickr, Ryan Ruppe/Flickr, Bob n Renee/Flickr
图片来源：Uber， Money图片 / Flickr， Sean McMenemy / Flickr， Chris Potter / Flickr， Ryan Ruppe / Flickr， Bob n Renee / Flickr
翻译自: https://www.howtogeek.com/264444/what-you-need-to-know-about-driving-for-uber/
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