Insurance for delivery trips
Understanding your insurance coverage matters. Whether you’re logged on to the app or on a delivery trip, know how you’re protected on the road. Explore how Uber’s auto liability insurance works while you deliver and what your personal policy needs to cover. The insurance referenced here exclusively refers to delivery trips on Uber.
For insurance details for ridesharing trips, see here.
If you’ve been in an accident, here’s what to do.
Personal insurance requirements to deliver with Uber
To deliver with Uber, you need valid personal auto insurance that meets your state's minimum requirements. Many personal auto insurers offer additional insurance options for delivery drivers, but this is not required for you to sign up to deliver with Uber.
Expanding your personal auto insurance to include delivery coverage could provide you with greater protection and get you back on the road faster in the event of an accident. These insurers may offer delivery insurance coverage options:
- Some personal auto insurers, like State Farm, may automatically cover delivery driving under standard personal auto policies.
- Some personal auto insurers, like Progressive and Farmers®, may offer optional endorsements for your personal auto policy to fit your needs.
Additionally, Uber has partnered with insurers to offer optional insurance, optional injury and vehicle downtime coverage, for peace of mind while you deliver. Learn more about the coverages that may be available to you.*
Insurance maintained by Uber for delivery drivers
COVERED: Third-party liability
Accidents happen. Suppose you’re at fault and another person gets hurt or their vehicle gets damaged. In that case, our third-party liability insurance may cover the cost of injuries or damage based on your state, whether you were online, en route, or on-trip.
View more details on insurance currently maintained by Uber in your state in your Driver app. From the menu, choose Account, then select Insurance.
NOT COVERED: Damage to your own vehicle
Coverage maintained by Uber does not pay for repairs to your car at any period of a delivery. If your personal auto policy covers delivery activity, your personal insurance policy may cover this. Check with your personal insurance provider to find out if your policy covers delivery activity.
Injuries to you
Coverage maintained by Uber does not pay for your injuries during any period of a delivery. In most states you may be able to opt in for Optional Injury Protection insurance, which provides coverage for your own medical expenses, disability, and survivor benefits when delivering. Go here to learn more.
When is Uber insurance applicable?
Uber maintains commercial liability insurance on your behalf. What’s covered depends on factors such as who was at fault; whether you were offline, online, en route, or on-trip; and your personal insurance policy. Learn more about the commercial delivery insurance coverage Uber maintains on your behalf below.
Coverage when you're offline
Your personal auto insurance covers you while you’re offline. You must maintain personal automobile insurance at mandatory minimum limits at all times while on the Uber app.
Uber does not maintain any coverage when you are offline.
Coverage when you're online and available for a delivery trip
In an accident where you’re at fault and another person gets hurt or their vehicle gets damaged, Uber’s third-party liability insurance may cover the cost of injuries or damage in amounts up to at least state auto insurance minimums.
Depending on the law of your state, Uber may maintain extra coverage. See details in the Driver app.
Coverage when you’re en route or on a delivery trip
Uber maintains insurance for deliveries on the Uber platform, including coverage up to $500,000 (or more, where required) for property damage and injuries to third parties involved in an accident where you’re at fault.
Depending on the law of your state, Uber may maintain extra coverage. See details in the Driver app.
What to do if you're in an accident
If you’re involved in an accident while on a delivery trip, we’re here to help you navigate the situation. Read a brief overview of what to do or watch this video.
You can also start a crash report now.
Step 1
Ensure that everyone involved is OK. If there are injuries or damage, contact the police and paramedics. Be sure to save the police report number if there is one.
Step 2
Take photos of any damage to the vehicles involved, including your own, and get the contact and insurance information of the other involved drivers. We recommend taking photos of the accident location, too, if it’s safe to do so.
Step 3
The easiest way to report a crash is through the Driver app. Select the Safety Toolkit by tapping the blue shield symbol in the bottom left corner of the map, then tap Report a crash. Report what happened and submit your claim.
To speak with our trained support staff, choose Safety from the Help section of your app, then select Safety Incident Reporting Line. You can also submit a crash report here.
Whichever path you choose, please complete this process as soon as it’s reasonable to do so.
After your claim is submitted
A notification will show up on your Driver app homepage directing you to the Crash Center. This is your go-to resource for contacting Uber’s insurer, viewing your claim’s status, seeing rental car options, and more.
Third parties can report an accident here.
Coverage options for however you earn
If Optional Injury Protection is available in your state and you choose to purchase it, coverage is available to you and your family members in case you’re injured in an accident and can’t deliver. Optional Injury Protection covers disability payments, medical expenses with no deductibles, and survivor benefit payments for your family members.
Vehicle Interruption Coverage (VIC) is designed to help people who deliver with Uber bounce back quickly and keep their momentum. If VIC is available where you deliver and you choose to purchase it, VIC provides a $2,500 lump-sum benefit if a covered accident or theft while delivering leaves your vehicle inoperable for at least 24 hours.
Frequently asked questions
- Do I need personal auto insurance to deliver with Uber?
Yes. As required by law, you must maintain personal automobile insurance at mandatory minimum limits at all times while on the Uber app. Uber maintains commercial delivery auto liability insurance on your behalf when you’re delivering on our platform. When you’re not driving with Uber, you maintain your own personal auto insurance.
Many personal auto insurers offer additional insurance for delivery drivers, but this is not required for you to sign up to deliver with Uber. Contact your insurance agent, broker, or company for details.
- Where can I view the coverages and limits of insurance that Uber maintains on my behalf?
View more details on insurance currently maintained by Uber in your state for delivery by accessing Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.
- Does Uber maintain uninsured/underinsured motorist coverage (UM/UIM) on behalf of delivery drivers?
The insurance coverages and limits maintained by Uber, including uninsured/underinsured ("UM/UIM"), vary by state and have changed over time. Uber maintains UM/UIM for delivery in states where it is required by law. Uber does not maintain UM/UIM for delivery in every state.
Optional Injury Protection insurance, which provides similar benefits to UM/UIM, is available to delivery drivers in most states. Find out more about Optional Injury Protection insurance here.
- Does the insurance that Uber maintains on behalf of drivers cover regular maintenance on my car?
No. You’re responsible for your car maintenance.
- How do I purchase my own insurance, beyond what Uber maintains for me?
Expanding your personal auto insurance to include delivery coverage could provide you with greater protection and get you back on the road faster in the event of an accident.
Contact your insurance agent, broker, or company to learn about personal and commercial options.
- What if I'm delivering via bicycle, ebike, or on foot?
Uber does not maintain coverage for bikes, electric bikes or walking, unless required by law.
- I do both rides and deliveries. What does this mean for me?
Uber maintains separate policies for rides and deliveries. Your coverage depends on what type of trip you are on at that moment. Learn more about coverage for rideshare drivers on the Uber platform here.
- What do I do in the event of an accident?
Please follow the steps for what to do if you’ve been in an accident above.
- What insurance applies if my vehicle is damaged?
Coverage maintained by Uber does not pay for repairs to your car at any period of a delivery. Your personal insurance policy will cover this if the policy covers delivery activity or if the accident is caused by another at-fault driver’s policy.
Delivery-specific endorsements for additional coverage while operating on the Uber platform may be available under your personal auto policy through your personal insurance carrier. If you don’t already have comprehensive and collision coverage including delivery activity, you may want to contact your personal auto insurance carrier to inquire about such coverage.
- What insurance applies if I'm injured in an accident?
If you were online and available for a trip at the time of the accident, Uber maintains insurance on your behalf to cover your liability for the cost of property damage and injuries to riders and third parties involved in the accident in at least the following amounts:
- While online and available for a trip: State minimum insurance requirements
- While en route or on a trip: At least $500,000 for property damage and injuries to third parties involved in an accident
- Does the insurance Uber maintains for delivery drivers change?
The insurance coverages and limits maintained by Uber vary by state and may have changed over time. View more details on insurance currently maintained by Uber in your state for delivery by accessing Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.
*This content is by Uber Insurance Services, LLC (UIS), a licensed insurance agency, for informational purposes only. State Farm, Progressive, Farmers® are third parties, and UIS is not responsible for third party offers, products or services.