How you’re covered
As an Uber rideshare driver-partner, you're covered while on the Uber platform. Here’s how insurance works for Uber rideshare driver-partners in the U.S. and Puerto Rico.
While waiting for a request
While you’re online with Uber and before you accept a request, you are covered for your liability to a third party if you are in an accident when you’re at fault. A third party is someone other than yourself. Coverage includes your liability to pay another person’s medical bills or to pay for property damage (like a damaged fence).
Coverage Limits vary by state, but are at least:
- $50,000 per person/$100,000 per accident for bodily injury
- $25,000 per accident for property damage
If you are not at fault, you may make a claim against their insurance. Your personal insurance policy may also cover you in this situation. Please check your personal coverage for more information.
Request accepted and on trip
On your way to pick up a rider and during a trip
While you drive to pick up a rider after accepting a request and during an Uber trip, you are covered for three things:
1. Third party liability coverage
This insurance covers your liability for damages to any third party such as another driver, pedestrian, or property in case of an accident when you’re at fault. Coverage limits vary by state, but are at least $1,000,000 per accident.
2. Uninsured or underinsured motorist bodily injury coverage
This insurance covers you and anyone else in your vehicle in case of an accident where another driver is at fault, but does not have sufficient insurance. This also covers hit and run accidents where the at-fault driver cannot be identified. Coverage limits vary by state, but are at least $1,000,000 per accident.
3. Contingent collision and comprehensive coverage
This insurance covers your vehicle in case of an accident whether it was your fault or not, as long as you maintain auto insurance that includes collision coverage for that vehicle while not on an Uber trip. Coverage limit is up to the actual cash value of your vehicle. There is a $1,000 deductible.
When driving your car for personal use
Since you are not driving on the Uber platform during this period, you are not covered by the insurance Uber maintains for driver-partners. Any accidents that occur in your car while not driving on the Uber platform are covered by the personal auto insurance coverage that you purchase on your own.
Coverage for commercial drivers
In addition to ridesharing services (also known as Transportation Network Company services), Uber partners with commercial transportation providers in certain US cities. Commercial Uber partners must be licensed and insured to drive commercially. Accidents that happen in those rides are covered by the commercial insurance policies the drivers are required to have in accordance with local and state requirements. This applies to all UberBLACK, UberSUV, UberTAXI, and UberT partners, as well as other commercial partners, like uberX, in certain cities, such as New York City. To ensure riders are protected to at least the same level as they are on rideshare trips with non-commercial drivers, we maintain insurance while a rider is in the car above what is purchased by the driver, when necessary.
Driver Injury Protection*
Driver Injury Protection is offered via Aon and helps to minimize the impact a covered accident could have on you and your family. Benefits include:
Disability Payments: earnings replacement to a maximum of $500/week.
Medical Expenses: medical expenses to a maximum of $1,000,000 with no deductible or co pay.
Survivor Benefits: to a maximum of $150,000 for your family.
*Available in some states.
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Note: Additional coverage will be provided where required by state and local laws. At least this much coverage is provided in all US states and Puerto Rico for drivers while operating personal vehicles under the transportation network company model.
The information provided on this web page is intended for informational purposes only and may not be applicable in your country, region, or city. It is subject to change and may be updated without notice.