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New York City

Insurance requirements

Why commercial insurance?

To drive with Uber in New York City, you'll need to get a TLC (Taxi and Limousine Commission) license and commercial insurance. If you have any questions you can stop into an Uber Greenlight Hub.

Insurance for rideshare drivers with Uber

Offline or the Driver app is off

  • Your chosen personal insurance company and coverages apply

Available or waiting for a ride request

Uber maintains the following auto insurance on your behalf in case of a covered accident:

Third-party liability if your personal auto insurance doesn’t apply¹

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

En route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident:

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury²
  • Contingent comprehensive and collision³
    • Up to actual cash value of car with a $2,500 deductible (Effective 3/1/2021)
    • Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible

Two ways to obtain commercial insurance in NYC

Option 1: Apply for commercial insurance

The NYC TLC requires vehicle owners to be commercially insured. Valid commercial insurance can be obtained through a licensed insurance broker. Be sure to have the following information:

  • Base Letter (a requirement to get a commercial insurance policy in New York City)
  • Driver’s license
  • TLC license
  • Vehicle registration and/or vehicle title
  • Defensive driving class certificate
  • Proof of address
  • Method of payment for policy down payment

If you have any questions about this process, stop by one of our Greenlight locations (see locations below) with your licenses and vehicle documents.

Option 2: Rent a car through an Uber rental dealer

Rent a car with one of our participating dealers, which are required to meet the applicable TLC insurance requirements. We can help you get an Uber-ready vehicle within two days.

Terms to know

Third-party liability insurance

Insurance for bodily injury and property damage caused to a third party and arising from a covered accident. A third party is someone or something other than yourself or your vehicle.

Uninsured/underinsured motorist bodily injury insurance

Insurance for injuries to you and your riders if a covered accident occurs during an Uber trip and another driver is at fault and doesn’t have sufficient insurance. This insurance also may apply in the case of a hit and run.

Contingent comprehensive and collision insurance

As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber maintains insurance on your behalf that will kick in to provide protection for physical damage to your car up to its actual cash value, regardless of who is at fault. There is a $2,500 deductible that you must pay first before this coverage applies. Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible.

Need to renew your insurance?

Step 1: Speak your insurance broker or insurance provider

Speak with your insurance broker or insurance provider to renew your Insurance Certificate.

Step 2: Upload your documents

Once you’ve renewed your documents, you can upload them online or in the Uber Driver app.

Top questions from drivers

  • 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 would look to your 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 crash 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 for damage to your vehicle (subject to a $2, 500 deductible).

  • Once you’ve accepted a trip, Uber maintains Uninsured or Underinsured Motorist Bodily Injury coverage on your behalf. This protection may apply to cover bodily injuries when someone else is at fault and they don’t have enough insurance or in a case of a hit and run.

  • 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.

  • It is Insurance designed to protect drivers and delivery persons against covered injuries. This insurance provides benefits for medical expenses, disability, loss of life and dismemberment.

  • You do not need to sign up or pay for Injury Protection in California. Uber purchases the coverage on your behalf as part of the benefits provided to you under Prop 22.

  • Yes, you are eligible for Injury Protection even if you are enrolled in Optional Injury Protection. You can stay enrolled in Optional Injury Protection insurance and will not be charged for miles driven that are covered by Injury Protection effective 12/16/20. Note if the covered injury occurs when the insured person is covered under both Injury Protection and Optional Injury Protection programs, only one policy will pay benefits, the policy with the largest benefits.

  • The rideshare insurance provided by Uber is designed to cover drivers and delivery persons for liability to 3rd parties, meaning protection from having to compensate others for bodily injury and property damage. This rideshare insurance generally does not cover your injuries. For more information, read Uber’s overview of insurance for drivers above.

  • Injury Protection is currently only available to drivers while: 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.

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.

ENROLL NOW

*Available in some states.

Start making money

Driving with Uber is your way to earn extra money anytime. And with more riders and trips than any other service, there’s more money around every corner.

Dedicated to safety

When you drive with Uber, you get 24/7 driver support and insurance protection. And all riders are verified with their personal information and phone number, so you’ll know who you’re picking up and so will we.

*Drivers in New York City are required by local regulations to carry commercial insurance coverage when partnering with Uber.

¹ Pay for damage to your vehicle if you maintain auto insurance that includes collision coverage for that vehicle.
² We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.

Note: Additional coverage will be provided where required by state and local laws. At least this much coverage is provided in all US states for drivers while operating personal vehicles under the transportation network company model. Learn how to report an accident or claim.