Get peace of mind while you drive

• California earners have Occupational Accident insurance paid for by Uber. Occupational Accident insurance is provided automatically for California rideshare and delivery drivers, and no sign up is needed. For a detailed Explanation of Coverage of Occupational Accident insurance including benefits, terms, limitations and exclusions, please click here.

• California earners cannot enroll in Optional Injury Protection. If you have already enrolled, you can stay enrolled in Optional Injury Protection insurance, but you will not be charged for California trips that are covered by Occupational Accident insurance.

• Effective October 1, 2024, Massachusetts Rides drivers have Occupational Accident insurance paid for by Uber. Occupational Accident insurance is provided automatically for Massachusetts Rides drivers, and no sign up is needed. For a detailed Explanation of Coverage of Occupational Accident insurance including benefits, terms, limitations and exclusions, please click here.
• Massachusetts Rides drivers and delivery persons remain eligible to enroll in Optional Injury Protection. Delivery trips will be covered by Optional Injury Protection, and Rides drivers and delivery persons enrolled in Optional Injury Protection will be charged during delivery trips. Drivers will not be charged for Optional Injury Protection on any Rides trips.
• In Massachusetts, Occupational Accident insurance -- not Optional Injury Protection -- will provide coverage if you are available for both Rides and deliveries, and not en route or on a trip.

• Effective January 1, 2025, eligible Minnesota Rides drivers have Occupational Accident insurance paid for by Uber. Occupational Accident insurance is provided automatically for eligible Minnesota Rides drivers, and no sign up is needed. For a detailed Explanation of Coverage of Occupational Accident insurance including benefits, terms, limitations and exclusions, please click here.
• Minnesota earners cannot enroll in Optional Injury Protection. If you have already enrolled, you can stay enrolled in Optional Injury Protection insurance, but you will not be charged for Minnesota trips that are covered by Occupational Accident insurance.

• Washington Rides drivers who sustain injuries while en route to pick up riders and during Rides trips may be eligible for workers’ compensation insurance coverage. Workers’ compensation insurance is provided automatically for Washington Rides drivers during these periods, and no sign up is needed. Eligible Rides drivers can file a workers’ compensation claim with the Washington Department of Labor & Industries. To file a claim call 1-800-547-8367 or click here. To learn more about workers compensation insurance click here.

• Workers’ compensation insurance does not apply before accepting a trip on the Uber platform or while completing a delivery on the Uber platform. Washington drivers and delivery persons remain eligible to enroll in Optional Injury Protection and pay a lower rate of $0.022 per mile, which will provide coverage while on-line (but before accepting a trip) and while completing deliveries.

As a driver or delivery person, you’re constantly on the go. Accidents can happen, and often through no fault of your own. Protecting yourself against unforeseen medical expenses and eligible earnings loss resulting from a covered accident with affordable Optional Injury Protection can be a smart financial move. It can also help minimize the financial impact that an accident would have on you and your family. This coverage is designed specifically for rideshare and delivery drivers.

Protection for a covered accident starts as soon as you have enrolled and meet the eligibility requirements. Although you’re only charged for miles while you’re on-trip with a passenger or on your way to drop off an order, you are protected for injuries covered by the policy during these 3 scenarios:  

• While you’re online, including when you’re available for trip requests
• While you’re en route to pick up a passenger or delivery
• While you’re on a trip using the Driver app

Optional Injury Protection doesn’t apply when you’re performing services for another company, or when driving your vehicle for personal pleasure.

For injuries covered by Optional Injury Protection insurance, you and your family are protected in 6 important ways if you’re injured in a covered accident while online with Uber:  

• Accident medical expenses up to a maximum of $1,000,000 (no deductible or copay)
• Temporary total disability up to a maximum of $500 a week
• Continuous total disability up to a maximum of $500 a week
• Accidental death up to a maximum of $50,000
• Survivor benefits up to a maximum of $150,000
• Accidental dismemberment up to a maximum of $200,000

It’s fast and easy to enroll through the Insurance section of the Driver app by tapping Learn more under Optional Injury Protection (go to Account > Insurance > Optional Injury Protection), or you can go online at driverinjuryprotection.uber.com/enroll.

Optional Injury Protection is completely optional. You can enroll or terminate coverage at any time. As an independent business operator, you can purchase the Optional Injury Protection insurance product as a way to help manage risk.

Auto liability insurance coverage may not cover personal medical expenses of the driver. Please check your auto liability policy for further details. Optional Injury Protection provides medical coverage for covered accidents, along with additional benefits such as disability earnings replacement and survivor benefits while you’re online with Uber. The rideshare insurance maintained by Uber insures Uber partners for bodily injury and property damage liability to third parties resulting from a covered accident, such as your riders, people in other vehicles, pedestrians, or property. This rideshare insurance generally doesn’t include the benefits offered by Optional Injury Protection. The rideshare insurance discussed here does not apply to commercially insured livery drivers. For more information, read Uber’s overview of insurance maintained on behalf of drivers at uber.com/insurance.

If you’re involved in a crash while driving with Uber, you can report it to Uber first. Please submit a claim to Uber that includes details of an injury through the “Help” section of your app. Our claims support team will guide you through the claims process. Once Uber has confirmed that you have purchased Optional Injury Protection insurance, Uber will inform Atlantic Specialty Insurance Company on your behalf. There’s no need to report to your personal insurance company.

To file a claim or check the status of an existing claim, contact Atlantic Specialty Insurance Company, the insurance carrier, 24 hours a day, 7 days a week, toll-free, at 1-844-747-6221. Atlantic Specialty Insurance Company will send you the necessary forms to complete. You must notify Atlantic Specialty Insurance Company within 20 days of the injury. The Uber Support team does not handle claims for Driver Injury Protection.

For additional support click here.

Coverage costs $0.024 per mile on covered trips ($0.022 for Washington Drivers). The premium is calculated based on miles traveled while you’re on a trip with a rider or on your way to drop off an order and is rounded to the nearest cent at the end of each trip. You’re only charged for the miles while you’re on a trip, but the coverage extends while you’re online waiting for a trip. (If you drive in, Massachusetts, please see above question to understand when Optional Injury Protection may work for you.) The payment process is simple. When you enroll for Optional Injury Protection at driverinjuryprotection.uber.com, you'll also authorize Uber to deduct the per-mile premium from your earnings to facilitate payment. If you decide you no longer want Optional Injury Protection coverage, you can stop it at any time.

Please note the rate is subject to change. Insureds will be notified in advance of any rate changes.

There are no refunds available for premium deducted from eligible drivers for Optional Injury Protection.

Coverage may be canceled at any time in the Uber App by following these steps:

• Open the Account menu in the Uber Driver App
• Select “Insurance” to open Insurance Hub
• Go to “Optional Injury Protection”
• Select “Terminate Coverage”
• Choose a cancellation reason from the list
• Select “Terminate” to confirm
• You will receive a confirmation message in the app that your coverage has been canceled
• Remember, you can re-enroll through the app at any time

For a visual guide, click here.