Auto insurance to help protect you
When you drive with Uber, we maintain auto insurance on your behalf. Leading auto insurance providers help protect you and your riders in the event of a covered accident.
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 ($1,000 deductible)
Injury Protection paid for by Uber for California drivers and delivery persons
Injury Protection paid for by Uber for California drivers and delivery persons is effective 12/16/2020. With the passage of Prop 22, California drivers and delivery persons now have Injury Protection insurance. If you’re injured in an accident while driving or delivering in California with Uber, this insurance can provide you and your family with financial support.
Benefits may include**:
Earnings replacement up to $1,324 per week
Accident medical expenses up to $1,000,000 with no deductible or copay
Up to $320,000 for eligible dependants
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 collision and comprehensive 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 $1,000 deductible that you must pay first before this coverage applies.
If you’re ever in a crash
Check that you, your rider, and other parties are safe.
Call 911 if necessary.
Beyond what Uber maintains on your behalf
Optional Injury Protection
Benefits include disability payments, no deductible on medical expenses, and survivor benefits. Offered through Aon, this program gives you the option of extending coverage to minimize the impact an accident could have on you and your family.
For commercial partners
As a commercial driver such as a licensed private-hire vehicle, black car, or limo, you must be insured to drive commercially with Uber. To provide riders with at least the same level of protection as on trips with non-commercial drivers, we may maintain insurance above your commercial insurance, when necessary.
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 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.
- 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 $1,000 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 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:
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 for damage to your vehicle (subject to a $1,000 deductible).
- 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 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.
- 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.
- What is Injury Protection?
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.
- Do I have to sign up or pay for Injury Protection?
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.
- Am I eligible for Injury Protection if I am enrolled in Optional Injury Protection?
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.
- How is Injury Protection different from the rideshare insurance Uber provides while I’m online?
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.
- Is Injury Protection available in all states?
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.
- 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.
Certificate of Insurance
A Certificate of Insurance provides important information about the coverage that Uber maintains on your behalf. You can find your Certificate of Insurance in the Driver app by tapping Account in the app menu, then Insurance, and tap on a coverage. You can also download it by tapping below.
If you are involved in an accident while driving with Uber, the easiest way to report a crash is through the app. To get back on the road faster, we suggest taking photos of damage to your vehicle and other vehicles involved, as well as obtaining the insurance information of other drivers involved.
¹ We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.
² Uninsured/underinsured motorist bodily injury limits vary by state.
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.
**You’re eligible for coverage while on the way to your pickup or during a trip if the trip started in California. In between trips, you’re eligible for coverage if the accident occurs in California.
**The value of the premiums paid by Uber may be reported as taxable income on a Form 1099 or other applicable form as required by law.
** If you are enrolled in Optional Injury Protection, you can stay enrolled and will not be charged for trips beginning in California on which you will be covered by Injury Protection. If you are covered under both programs, only one policy will pay.
**All Coverages are subject to the policy terms, conditions, limitations, and exclusions. If there is a conflict between the information shown here and the policy, the policy will govern. The policy is underwritten by Homeland Insurance Company of New York.
Note: Additional coverage will be provided where required by state and local laws. At least this much auto insurance is maintained in all US states for drivers while operating personal vehicles under the transportation network company model on the Driver app.