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保险

作为优步的共享出行合作车主,您在在线期间都会得到保险保障。下文介绍了面向美国和波多黎各的优步共享出行合作车主的相关保险范围。

等待派单期间

如果您已在线但尚未接单,若此时发生事故并且您是过错方,则您对第三方的责任将纳入受保范围内。第三方是指除您以外的其他人。受保范围包括应由您支付给其他人的医疗费用或财产损失(如受损的栅栏)赔偿金。

保额上限因州/省而异,但是:

  • 人身伤害保额为每人至少 $50,000/每次事故至少 $100,000
  • 财产损失保额为每次事故至少 $25,000

如果过失方是他人,您可以向对方保险公司提出索赔。您个人的保险可能也在同类情形下为您提供保障。请查看您的个人保险,了解更多信息。

前往接载乘客途中以及在完成行程途中

Offline or Uber app is off

  • Your chosen personal insurance company and coverages apply

Available or waiting for a ride request

Uber maintains the following auto insurance on your behalf in case of a covered accident

Third-party liability if your personal auto insurance doesn’t apply¹

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

En route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury²
  • Contingent comprehensive and collision³
    • Up to actual cash value of car ($1,000 deductible)

在行程之间

Third-party liability insurance

Insurance for bodily injury and property damage caused to a third party and arising from a covered accident. A third party is someone or something other than yourself or your vehicle.

Uninsured/underinsured motorist bodily injury insurance

Insurance for injuries to you and your riders if a covered accident occurs during an Uber trip and another driver is at fault and doesn’t have sufficient insurance. This insurance also may apply in the case of a hit and run.

Contingent collision and comprehensive insurance

As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber maintains insurance on your behalf that will kick in to provide protection for physical damage to your car up to its actual cash value, regardless of who is at fault. There is a $1,000 deductible that you must pay first before this coverage applies.

自用驾车时

1

Check that you, your rider, and other parties are safe

2

Call 911 if necessary

3

Contact Support in the app by going to Help > Trip Issues and Adjustments > I got into an accident. You can also submit a crash report here

Beyond what Uber maintains on your behalf

合作车主人身伤害保险

Get additional peace of mind with benefits that include disability payments, no deductible on medical expenses, and survivor benefits. Offered via Aon, this program gives you the option of extending coverage to minimize the impact an accident could have on you and your family.

For commercial partners

As a commercial partner such as a licensed private hire vehicle, black car, or limo, you must be insured to drive commercially. To provide riders with at least the same level of protection as on trips with non-commercial drivers, we may maintain insurance above your commercial insurance, when necessary.

合作车主的常见问题

  • Do I need rideshare insurance?

    Uber maintains auto insurance designed for ridesharing on your behalf when you’re driving on our platform. When you’re not driving with Uber, you would look to your personal auto insurance. Many personal auto insurers offer rideshare insurance endorsements that include additional coverage for rideshare drivers but this is not required for you to sign up to drive with Uber. Contact your insurance company for details.

  • Does the insurance that Uber maintains on behalf of drivers cover regular maintenance on my car?

    No, as an independent contractor you’re responsible for your car maintenance.

  • If I’m in an accident, will Uber’s insurance cover a rental car for me?

    No, it won’t. As long as you maintain comprehensive and collision coverage on your personal auto insurance, the insurance that Uber maintains on behalf of driver-partners will kick in. If applicable, this insurance goes toward repairs and replacement for your car up to its actual cash value. There is a $1,000 deductible that you must pay before this coverage applies.

  • What’s my coverage if I’m at fault for an accident while driving with Uber?

    How much you’re insured for depends on when your accident occurred. Here’s a breakdown. You’re insured for liability to a third party if you’re in a covered accident where you’re at fault and you’re online but haven’t received a trip request yet. Coverage is at least $50,000 in injury liability per person, $100,000 in total liability per accident, and $25,000 in property damage liability per accident.

    If you’re in a crash where you’re at fault and you have already accepted a ride request, you’re insured for the following in case of a covered accident:

    1) Your liability to a third party (at least $1 million).

    2) Collision and comprehensive coverage. If your personal insurance already includes this coverage, the insurance that Uber maintains will take its place for damage to your vehicle (subject to a $1,000 deductible).

  • What’s covered if someone else is at fault for the accident?

    Once you’ve accepted a trip, Uber maintains Uninsured or Underinsured Motorist Bodily Injury coverage on your behalf. This protection may apply to cover bodily injuries when someone else is at fault and they don’t have enough insurance or in a case of a hit and run.

  • How are property damage and bodily injury defined?

    These terms are defined by the insurance policy. For example, property damage is often defined as damage to or loss of use of tangible property, while bodily injury is often defined as injury, sickness, or disease sustained by a person, including death resulting from any of these.

  • What do I do in the event of an accident?

    We’re committed to everyone’s safety. If you’re involved in an accident, follow these steps:

    1. Check that all parties involved are safe.
    2. Notify the police and paramedics if necessary.
    3. Contact us in the Help section of the Driver app. Select Trip Issues and Adjustments, and then select I was in an accident.
    4. You can also speak directly with a trained agent by going to the Help section of your Driver app and tapping Call Support.
  • What about commercially licensed and insured drivers?

    Uber also partners with drivers who are commercially licensed and insured for limousine, livery, black car, or private hire. Coverage for vehicle damage and liability arising from those trips are covered by their commercial automobile insurance.

Certificate of Insurance

A Certificate of Insurance provides important information about the coverage that Uber maintains on your behalf. You can find your Certificate of Insurance in the Uber app by tapping Account under Insurance, and you can also download it here:

Download here

Accident claims

If you are involved in an accident while driving with Uber, the easiest way to report a crash is through the app. To get back on the road faster, we suggest taking photos of damage to your vehicle and other vehicles involved, as well as obtaining the insurance information of other drivers involved.

Report a crash