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.
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.”
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.
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.
Canceling your enrollment is easy and can be done at any time.
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:
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:
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.
Please contact insurance carrier Atlantic Specialty Insurance Company 24 hours a day, 7 days a week, at 844-747-6221 (toll-free). Atlantic Specialty Insurance Company will send you the necessary forms to complete. You must notify them within 20 days of the injury. The Uber Support team doesn’t handle claims for Optional Injury Protection.
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.
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 39 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, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.