Get peace of mind while you drive
Optional Injury Protection insurance is designed to help provide people driving or delivering with Uber with peace of mind in case the unexpected happens. We believe that drivers deserve the opportunity to be protected if they’re in an accident and are unable to drive or deliver—and are therefore unable to make money—or have to pay for medical expenses.
Pioneering protections for you
For less than $0.04 a mile, Optional Injury Protection, through Affinity Insurance Services Inc., helps minimize the financial impact a covered accident could have on a driver or delivery person. Pioneered by Uber, this insurance offering is designed specifically for drivers.
For injuries covered through this optional insurance, there are several important benefits, including:
Earnings replacement up to a maximum of $500 per week
Accident medical expenses up to a maximum of $1,000,000 with no deductible or copay
Up to a maximum of $150,000 for your family
“After the accident, Optional Injury Protection actually paid me for the time off while I was going through therapy, and it allowed me to be a mother, it released a lot of fear. It was so delightful to know that I don't have to deal with the financial part, I just need to do what I need to do to get well. So I just show up, get well, and now I’m back driving. It made me whole again.”
Simple, per-mile premiums
Pay $0.0375 per mile only when on-trip—with coverage while you’re online, on the way to pick up a passenger or delivery, and on-trip (for deliveries and passenger trips). The entirety of the premium goes to the insurer—Uber takes no fees or commissions in relation to this coverage.
Get protected instantly
Enrollment takes 2 clicks, ensuring that you’re protected on your very next ride.
Your premium is deducted automatically from each trip, and the deductions will be clearly shown on your earnings reports.
Stop whenever you want
Canceling your enrollment is easy and can be done at any time.
Injury Protection paid for by Uber for California drivers and delivery persons
Effective 12/16/20, CA earners now have Injury Protection insurance paid for by Uber. You can stay enrolled in Optional Injury Protection insurance and will not be charged for California trips 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.
Frequently asked questions
- Why do I need Optional Injury Protection?
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..
- When am I protected?
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.
- What benefits are included in Optional Injury Protection?
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
- How do I sign up for Optional Injury Protection?
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.
- Do I need Optional Injury Protection in order to drive with Uber?
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.
- How does Optional Injury Protection work with my personal insurance, and how is it different from the rideshare insurance Uber maintains on my behalf while I’m online?
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.
- How do I file a claim?
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).
- What does Optional Injury Protection cost, and how do I pay for it?
Coverage costs less than $0.04 per mile ($0.0375 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.
- 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.
- Where do I get more information about Injury Protection in California?
Uber Technologies is not an insurance provider and is not performing any insurance services. All coverages are subject to the policy terms, conditions, limitations, and exclusions. Affinity Insurance Services Inc., is offering this optional coverage to people who use the Driver app. Optional Injury Protection insurance is offered through Affinity Insurance Services Inc., and the policy is underwritten by Atlantic Specialty Insurance Company. If there’s a discrepancy between the information shown here and the actual insurance policy, the policy governs. For further information, please see the coverage details.
Optional Injury Protection is currently available in 41 states and Washington, DC: Alabama, Arizona, Arkansas, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri¹, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
* 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 Injury Protection policy is underwritten by Homeland Insurance Company of New York. For further information, please see coverage details.
¹ For Missouri Enrollees: Premium rates may differ based on the mode of transportation used for delivery. Rates are calculated on the basis of experience within the entire group. Individual coverage will not be cancelled or non-renewed due to the deterioration of the health of participants. Any change in premium rates will be communicated to the Policyholder and the approved Platform Operator with written notice sixty (60) days in advance of the premium due date. See coverage details for Missouri Enrollees.