BORROW DAMAGE POLICY

Last Modified: June 13, 2025

NOTE: This Damage Policy is not an insurance policy.

What Does This Damage Policy Cover?

This damage policy (“Damage Policy”) details the responsibilities of Borrowers and Earners regarding Vehicle damage and the process for handling claims and repairs. It clarifies who is responsible for damage, how damage is assessed, and the procedures for reporting and addressing damage incidents. This Damage Policy is not an insurance policy.

This Damage Policy is to be read in conjunction with the Borrow Terms of Service (the “Agreement”). In the event of any conflict between the Damage Policy and the Agreement, the Agreement will prevail. Capitalized terms not herein defined have the meaning assigned in the Agreement.

Where this Damage Policy refers to ‘damage’, it does not include Wear and Tear as set forth in the Schedule below. Neither Uber nor Borrowers are responsible for repairing or paying for Wear and Tear.

Vehicle Damage Inspection and Reporting

1. Inspections and Recording Damage at Booking Period Start and End

Borrowers should:

• Inspect the Vehicle for damage at the beginning and end of each Booking Period.
• Take clear photos of the Vehicle.
  

Earners must:

• At both the beginning and end of each Booking Period, inspect their Vehicle for damage and take at least six (6) unedited, high-resolution photos of the Vehicle, clearly showing:
  • All four exterior sides,
  • The interior, and
  • The odometer reading.
• Email the photos to uber-borrow@uber.com with the reservation date and name of the Borrower as the email subject line. (For example: 6/28/2025, John Doe.) Failure to take and submit photos may complicate your ability to receive compensation from insurance.
• Submit all required photos and report any damage to Uber within 48 hours of the end of the Booking Period.
• NOTE: If Earners do not report damage to Uber within the 48 hour timeframe, they will not be eligible for compensation under this Damage Policy if an insurance policy does not apply.

2. Damage During Booking

If damage occurs to the Vehicle or third-party property during the Borrower’s use, the Borrower must:

• Report the incident to Uber Support within 48 hours.
• Include a description and supporting photos of the damage.
  

Failure to report accurately or on time may result in the Borrower being held liable for additional costs caused by delays or incomplete information. Uber may also request further details to support insurance claims.

3. Insurance Claims

To initiate a claim, please contact Uber support in-app. Provide a description of what happened, along with photos that you took at the beginning of the trip and after the damage has occurred.

Uber’s Safety and Claims teams will assist with reviewing and forwarding your claim to the insurer. Submitted information, including photos, may be shared with the insurer for assessment.

Who Is Responsible for Damage?

1. Borrower Responsibilities

• A Vehicle is considered to be in a Borrower’s possession from the time they access it at the start of a Booking Period until they return the key to the Earner.
• While Borrowers are in possession of a Vehicle:
  • Borrowers are responsible for all applicable fees as set out in the Borrow Fee Schedule, available at: (t.uber.com/borrowfeeschedule);
  • Borrowers are responsible for damage to the Vehicle and to third parties;
  • The Vehicle is covered by insurance for third-party liability and Vehicle damage (subject to the terms, conditions, and exclusions of the policy). This insurance coverage includes a $1,000 deductible, which is paid by the Earner. The Borrower is not responsible for payment of or reimbursing this deductible.
• The insurance policy does not cover damage to the Vehicle or to third parties caused by intentional acts or willfully negligent conduct by the Borrower. In such cases, the Borrower shall be solely and fully liable for all resulting losses, damages, and expenses.
• Borrowers will be responsible for towing costs where the Vehicle is towed due to damage or for any other reason caused by the Borrower’s actions while they are in possession of the vehicle. Towing costs include the costs of storage (up to 72 hours) and recovery of the Vehicle.
• Borrowers should report to Uber any damage to the Vehicle or to third parties within 48 hours of the end of the Booking Period.
  

2. Earner Responsibilities

• The Vehicle is considered to be in the Earner’s possession at all times that the Borrower is not in possession of the Vehicle.
  
• While Earners are en route to the Vehicle drop-off location at the start of a Booking Period, the Vehicle is covered by auto liability insurance, which includes a $2,500 deductible (subject to the terms, conditions, and exclusions of the policy). Earners will be responsible for the $2,500 deductible, where applicable. The auto liability insurance will not apply while Earners are en route to the Vehicle return location at the end of a Booking Period. See the Delivery Driver Insurance page for details.
• While in the Borrower’s possession, the Vehicle is covered by auto insurance for third-party liability and Vehicle damage (subject to the terms, conditions, and exclusions of the policy). This insurance coverage includes a $1,000 deductible, which is paid by the Earner. The Borrower is not responsible for payment of or reimbursing this deductible.
• Earners must document the condition of the Vehicle with photos at the start and end of a Booking Period. If Earners fail to document the condition of the Vehicle as required under this Damage Policy, they may complicate and potentially hinder their ability to receive compensation for damage.
  
• Earners are responsible for reporting any damage to Uber within forty-eight (48) hours after the end of the Booking Period in which the damage is incurred. Earners are responsible for the cost of any damage to the Vehicle incurred during a Booking Period in which they do not report to Uber within forty-eight (48) hours of that Booking Period’s end, but only if such damage is also not covered by the applicable insurance policy.
• Earners are also responsible for normal Wear and Tear, even if the Wear and Tear occurs during a Booking Period.
• Earners are solely responsible, at their own cost and expense, for the regular and preventative maintenance of their Vehicle to ensure it is kept in a safe, roadworthy, and good operating condition at all times, capable of preventing damage or operational failure, including but not limited to, taking proactive measures such as ensuring proper fluid levels and oil changes prior to extended use.

3. Damage Attribution Process

The following damage attribution process applies when all of the following conditions are met: (1) the damage is reported by the Earner within the prescribed 48-hour window; (2) the damage is not covered by an insurance policy included as part of Borrow; and, (3) it is unclear who caused the damage:

Photo Evidence

Damage attribution relies primarily on photo documentation provided by the Earner at the start and end of their possession of the Vehicle. These photos serve as the official record of the Vehicle’s condition before and after each Booking Period.

Presumption of Responsibility

The most recent Borrower will be presumed responsible for any unreported damage discovered after their trip if:

• The Earner’s photos immediately prior to start the Booking Period show no damage, and
  
• The Earner’s photos immediately following the Booking Period show the damage.
  

The Borrower may contest this attribution by presenting credible evidence (e.g., third-party statements, photos, service or police reports) that clearly refutes responsibility.

Sequential Review

If the most recent Borrower is reasonably shown not to be responsible, this process will be repeated in reverse chronological order with earlier Borrowers who had the Vehicle within the relevant 48-hour window.

No Clear Attribution

If no Borrower within the relevant time window can be clearly linked to the damage based on available evidence, the Earner will be responsible.

Illustrative Scenarios

Scenario 1: Damage is reported, and the Earner has no photo documentation.
Result: The Earner is responsible due to lack of evidence to attribute the damage.

Scenario 2: Earner’s photos before a Booking Period shows the Vehicle undamaged. The subsequent photos after the Booking Period shows damage.
Result: The Borrower is presumed responsible unless they can present credible evidence that clearly refutes responsibility.

Scenario 3: Earner’s photos before a Booking Period show pre-existing damage.
Result: The Borrower is not responsible.

Scenario 4: Multiple Borrowers used the Vehicle within 48 hours, but no complete photo documentation exists.
Result: The Earner is responsible due to lack of attribution evidence.

Goodwill Contribution for Certain Repairs

If damage appears to result from intentional misuse, but the responsible Borrower can’t be identified, Uber may (at its sole discretion) make a goodwill contribution to repair costs—only if:

• A component failed prematurely;
• The failure seems to result from misuse;
• And the component was not already known to be defective.
  

Uber is not obligated to investigate or contribute in these cases.

Note

Uber may facilitate this damage attribution process to help determine responsibility but Uber does not accept liability for any damage that cannot be attributed.

Lost, Stolen, or Unreturned Keys

If a Vehicle key is lost, stolen or not returned by a Borrower, the Borrower will be charged the costs of cutting or creating new keys, but not the cost to replace locks.

Repairs

If a Vehicle sustains damage that compromises its safety or reliability, it must be immediately withdrawn from use and made unavailable for Bookings until fully repaired.

For all other damage, the decision to proceed with repairs is at the discretion of the Earner.

Repair Process and Coordination

Repairs may, in some cases, be coordinated in conjunction with the applicable insurance provider. The Earner and Borrower are expected to communicate promptly and cooperatively with each other and with Uber to support the repair process, including by providing necessary photos and information.

An Earner may opt to receive the cash equivalent of the estimated repair cost instead of proceeding with the actual repairs. The Borrower remains responsible for compensating the Earner for the damage, regardless of the Earner’s choice to repair or not.

Schedule: Wear and Tear

"Wear and Tear," as set forth in the chart below, generally refers to minor damage that occurs due to normal use and aging of the Vehicle. It includes things like small dents, scuffs, scratches, minor paint chips, and other cosmetic damage that doesn't affect the vehicle's function or roadworthiness. It also covers the malfunction or failure of parts due to age and normal use, and changes in appearance like surface cracks or threadbare fabric. "Wear and Tear" does not include damage due to misuse.