New York City

Uber maintains auto insurance designed for ridesharing on your behalf when you’re driving on our platform. When you’re not driving with Uber, you maintain your own personal auto insurance. Many personal auto insurers offer rideshare insurance endorsements that include additional coverage for rideshare drivers, but this is not required for you to sign up to drive with Uber. Contact your insurance company for details.

No, as an independent contractor you’re responsible for your car maintenance.

No, it won’t. 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. There is a $2,500 deductible that you must pay before this coverage applies.

How much you’re insured for depends on when your accident occurred. Here’s a breakdown:

You’re insured for liability to a third party if you’re in a covered accident where you’re at fault and you’re online but haven’t received a trip request yet. Coverage is at least $50,000 in injury liability per person, $100,000 in total liability per accident, and $25,000 in property damage liability per accident.

If you’re in a covered accident where you’re at fault and you have already accepted a ride request, you’re insured for the following in case of a covered accident:

1. Your liability to a third party (at least $1 million).

2. Collision and comprehensive coverage. If your personal insurance already includes this coverage, the insurance that Uber maintains will take its place to pay for damage to your vehicle (subject to a $2, 500 deductible)³.

Once you’ve accepted a trip, Uber maintains Uninsured or Underinsured Motorist Bodily Injury coverage and/or first-party injury protection coverage on your behalf. This protection may apply to cover bodily injuries to yourself and/or your rider(s).

These terms are defined by the insurance policy. For example, property damage is often defined as damage to or loss of use of tangible property, while bodily injury is often defined as injury, sickness, or disease sustained by a person, including death resulting from any of these.

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

1. Check that all parties involved are safe.
2. Notify the police and paramedics if necessary.
3. Contact us in the Help section of the Driver app. Select Trip Issues and Adjustments, and then select I was in an accident.
4. You can also speak directly with a trained agent by going to the Help section of your Driver app and tapping Call Support.

Some people who drive with Uber are commercially licensed and insured for limousine, livery, black car, or private hire. Coverage for vehicle damage and liability arising from those trips is covered by their commercial automobile insurance.

Injury Protection is currently only available to drivers for accidents that occur while you’re online and waiting for a trip in California or on the way to a pickup or on a trip originating in California.
You are not covered when driving your vehicle for personal use.

However in many other states, Uber offers Optional Injury Protection, learn more here.

Should you submit a claim to Uber that includes details of an injury occurring on or after December 16, 2020 Uber will inform the insurance company underwriting the coverage - Homeland Insurance Company of New York. You may also contact Homeland Insurance Company of New York 24 hours a day, 7 days a week, at 844-747-4681(toll-free).

For a detailed Explanation of Coverage including benefits, terms, limitations and exclusions, please click here.

NOTE: This FAQ is for informational purposes only. All Coverages are subject to the policy terms, conditions, limitations and exclusions. If there is a conflict between the information shown here or the actual insurance policy, the policy prevails. The policy is underwritten by Homeland Insurance Company of New York. Uber is not an insurance provider and is not performing any insurance services.