New York City
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.¹ If you have any questions you can stop into an Uber Greenlight Hub.
Insurance for rideshare drivers using Uber in New York State²
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 apply
- $75,000 in bodily injury per person
- $150,000 in bodily injury per accident
- $25,000 in property damage per accident
Uninsured/underinsured motorist bodily injury
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $50,000 death per person
- $100,000 death per accident
Personal Injury Protection
- $50,000 per insured person
En route to pick up riders and during trips
Uber maintains the following auto insurance on your behalf in case of a covered accident:
- $1,250,000 third-party liability
- $1,250,000 Uninsured/underinsured motorist bodily injury
- $50,000 Personal Injury Protection per person
- Contingent comprehensive and collision³
- Up to actual cash value of car with a $2,500 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.
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 and first-party injury insurance
Uninsured/underinsured motorist bodily injury coverage insures 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.
Medical payments coverage (MedPay) or personal injury protection (PIP) may apply to healthcare, medical expenses and/or funeral expenses if you and your riders are injured in a covered accident, regardless of who is at fault.
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 when online 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
- Do I need rideshare insurance?
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.
- Does the insurance that Uber maintains on behalf of drivers cover regular maintenance on my car?
No, as an independent contractor you’re responsible for your car maintenance.
- If I’m in an accident, will Uber’s insurance cover a rental car for me?
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.
- What’s my coverage if I’m at fault for an accident while driving with Uber?
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:
Your liability to a third party (at least $1 million).
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.
- What’s covered if someone else is at fault for the accident?
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).
- How are property damage and bodily injury defined?
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.
- What do I do in the event of an accident?
We’re committed to everyone’s safety. If you’re involved in an accident, follow these steps:
- Check that all parties involved are safe.
- Notify the police and paramedics if necessary.
- Contact us in the Help section of the Driver app. Select Trip Issues and Adjustments, and then select I was in an accident.
- You can also speak directly with a trained agent by going to the Help section of your Driver app and tapping Call Support.
- What about commercially licensed and insured drivers?
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.
- Is Injury Protection available in all states?
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.
- How do I file a claim under Injury Protection?
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).
- Where do I go to get additional information about Injury Protection in California?
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
Drivers using the Uber app 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 drivers using Uber Black, UberSUV, Uber Taxi, and 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.
*Available in some states.
Dedicated to safety
When you drive with Uber, you get 24/7 in-app 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.
¹Drivers in New York City are required by local regulations to carry commercial insurance coverage when driving with Uber. In compliance with local law, Uber does not maintain auto insurance on behalf of New York City licensed and insured commercial/livery drivers.
² Excluding the five boroughs of New York City.
³ May 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. The $2,500 deductible amount is effective 3/1/2021. Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible.
⁴ Uber is not responsible for the products and/or services offered by other companies, or for the terms and conditions (including financial terms) under which those products and/or services are offered.
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