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.
Frequently asked questions
- Why do I need Optional Injury Protection?
- When am I protected?
- What benefits are included in Optional Injury Protection?
- How do I sign up for Optional Injury Protection?
- Do I need Optional Injury Protection in order to drive with Uber?
- 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?
- How do I file a claim?
- What does Optional Injury Protection cost, and how do I pay for it?
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, California, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, 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.