Please enable Javascript
Skip to main content

Insurance to help protect you

Whether you are logged on or have accepted a rideshare¹ or delivery trip, Uber’s insurance meets—or exceeds—the required coverage.

If you’ve been in an accident, here’s what to do.

What rideshare and delivery drivers should know about coverage

When you earn with a transportation network company (TNC), referred to here as ridesharing, many states require extra—and costly—insurance. Uber maintains this insurance on your behalf. Learn more about your coverage below.

  • Your personal auto insurance covers you while you’re offline. You must maintain personal automobile insurance at mandatory minimum limits and provide proof of your insurance to drive and deliver with a vehicle with Uber.

    Coverage to repair your car when you’re en route to or on a trip is contingent on your personal insurance including comprehensive and collision coverage.

  • Accidents happen. Suppose you’re at fault and another person gets hurt or their vehicle gets damaged. In that case, our third-party liability insurance² covers the cost of injuries or damage in at least the following amounts:

    • $50,000 per person and $100,000 per accident for injuries
    • $25,000 in property damage per accident

    Depending on the law of your state, Uber may maintain extra coverage for you and your riders, including one or more of the following:

    • Coverage for you and your riders for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver
    • Personal injury protection, including medical expenses and lost wages for you and your riders, no matter who’s at fault
    • Medical payments coverage for you and your riders, no matter who’s at fault
  • Uber maintains insurance for ridesharing and deliveries, including:

    • Insurance that covers at least $1,000,000 for property damage and injuries to riders and third parties involved in an accident where you’re at fault
    • Insurance that covers the cost to repair your car, up to the actual cash value, with a $2,500 deductible, contingent on your personal insurance including comprehensive and collision coverage.³ This extra insurance maintained by Uber protects your car, no matter who’s at fault, if you maintain comprehensive and collision coverage on your own vehicle.

    In most US states, you can also purchase Optional Injury Protection to cover your additional medical expenses if you’re hurt in an accident. This insurance offering, pioneered by Uber, is designed specifically for drivers.

    Depending on the law of your state, Uber may maintain extra coverage for you and your riders, including one or more of the following:

    • Coverage for you and your riders for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver
    • Personal injury protection, including medical expenses and lost wages for you and your riders, no matter who’s at fault
    • Medical payments coverage for you and your riders, no matter who’s at fault

Looking for more details on insurance maintained by Uber in your state for ridesharing?

See the Certificates of Insurance here.

You can also access the Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.

What to do in an accident

We’re committed to everyone’s safety. If you’re involved in an accident, follow these steps:

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 other involved drivers and riders. 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.

Or 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.

What riders should do

Riders can report an accident here.

What anyone else involved should do

Third parties can report an accident here.

Optional coverage for extra peace of mind

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 work. Optional Injury Protection covers disability payments, medical expenses with no deductibles, and survivor benefit payments for your family members.

This insurance offering, which Uber pioneered, is designed specifically for rideshare and delivery drivers.

Enroll now

Coverage for commercial drivers

If you’re a commercial driver using a commercial vehicle, such as a licensed for-hire vehicle, black car, limousine, livery vehicle, or taxi, you must have your own commercial insurance to drive with Uber.

Frequently asked questions

  • We’re committed to everyone’s safety. If you’re involved in an accident, follow the steps below.

    For drivers

    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.
    2. Take photos of any damage to the vehicles involved, including your own, and get the contact and insurance information of other involved drivers and riders. We recommend taking photos of the accident location, too, if it’s safe to do so.
    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. Or 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.

    For riders

    Riders may report an accident here.

    For other parties

    Other parties may report an accident here.

  • No, it won’t. While your car is being repaired, you can explore available rental options on the Vehicle Marketplace to get back on the road. The Vehicle Marketplace is accessible through the Driver Crash Center. Get more details here.

    For repairs to your vehicle, as long as you maintain comprehensive and collision coverage on your personal auto insurance, the insurance that Uber maintains on behalf of drivers will kick in. If applicable, this insurance goes toward repairs and replacement for your car up to its actual cash value. You must pay a $2,500 deductible before this coverage applies.³

¹“Rideshare” refers to ridesharing facilitated through Uber, a transportation network company (TNC) and platform. The insurance coverages discussed here do not apply to commercially insured livery drivers.

²For rideshare services, these coverages vary by state and are not available countrywide. These coverages are not typically available for delivery services. However, these coverages will always be available in states where required by law.

³May apply to damage to your vehicle as long as you have personal insurance that includes comprehensive and collision coverage for that vehicle to cover you while you’re not using the Driver app. Comprehensive and collision coverage on vehicles rented through the Vehicle Marketplace is subject to a $1,000 deductible. If you only maintain liability insurance on your personal vehicle, you will not be eligible for contingent comprehensive and collision coverage.

Select your preferred language
English简体中文Español (Internacional)