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• 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.

La protección ante accidentes cubiertos comienza una vez que te registras y cumples con los requisitos. Aunque solo se te cobra por las millas durante un viaje con un pasajero o en camino a entregar un pedido, la póliza cubre las lesiones en los siguientes 3 casos:  

• Mientras estés conectado, incluso cuando estés disponible para recibir pedidos de viaje.
• Mientras estás en camino al punto de partida o de recolección.
• Mientras realizas un viaje con la app para socios conductores.

La protección opcional contra lesiones no te cubre cuando prestas servicios a otra empresa o cuando conduces tu vehículo para fines particulares.

Si ocurre un accidente cubierto mientras estás conectado con la app de Uber, el seguro de protección opcional contra lesiones brinda protección para ti y tu familia de las siguientes 6 maneras:  

• Hasta $1,000,000 (sin deducible ni copago) por gastos médicos a causa de un accidente
• Hasta $500 semanales por discapacidad total temporal
• Hasta $500 semanales por discapacidad total permanente
• Hasta $50,000 por muerte accidental
• Hasta $150,000 en prestaciones para los beneficiarios
• Hasta $200,000 por desmembramiento accidental

Inscríbete de manera rápida y sencilla a través de la sección Seguro de la app para socios conductores. Para hacerlo toca Conocer más debajo de Protección opcional contra lesiones (dirígete a Cuenta> Seguro >Protección opcional contra lesiones) o ingresa al siguiente enlace: driverinjuryprotection.uber.com/enroll.

Esta cobertura es completamente opcional, puedes adquirirla o cancelarla en cualquier momento. Como operador comercial independiente, el seguro de protección opcional contra lesiones puede ayudarte a limitar el riesgo.

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.

Report the crash to Uber. The easiest way to do that is through the Driver app. Select the Safety Toolkit by tapping the blue shield symbol in the bottom left corner of the map. Choose Report a crash, report what happened, and submit your claim. We’ll reach out to confirm that everyone is OK and gather any information we need. 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.