Get peace of mind while you drive

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 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. For more information, read Uber’s overview of insurance maintained on behalf of drivers at uber.com/insurance.

Should you submit a claim to Uber that includes details of an injury and you have purchased coverage under Optional injury Protection insurance, Uber will inform Atlantic Specialty Insurance Company. You may also contact Atlantic Specialty Insurance Company 24 hours a day, 7 days a week, at 844-747-6221(toll-free).

Coverage costs less than $0.04 per mile while on a covered trip. 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 at the end of each trip to the nearest cent. You are only charged for the miles while you’re on a trip, but the coverage extends while you are online waiting for a trip as well. 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 premium payment. Uber takes no compensation from the premium costs.

If you decide you no longer want coverage, you can stop it at any time.

Please note: this rate is subject to change. If a change occurs, the people who are insured will be notified in advance.

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.

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