Alyssa Lane
Uber has a complex insurance system in place for its drivers and passengers. Uber maintains commercial auto insurance on behalf of its drivers and delivery people, which is renewed annually. However, Uber drivers are also required to have their own car insurance as Uber's insurance is only applied during trips and while en route to riders. Uber breaks its insurance coverage into three categories: when the driver is offline, when the driver is online and waiting for a ride request, and when the driver is en route to pick up passengers or during trips. This final stage is where passenger coverage is established, and Uber provides the most insurance coverage for passengers, drivers, and third parties during this time.
| Characteristics | Values |
|---|---|
| Who is insured? | Uber partners with top national auto insurance companies to maintain commercial auto insurance on behalf of drivers and delivery people online with the Driver app. |
| When does the insurance apply? | Uber's insurance is only applied during trips and while heading to riders. |
| What does the insurance cover? | Uber maintains insurance to cover liability for the cost of property damage and injuries to riders and third parties involved in an accident. |
| What does the insurance not cover? | Regular maintenance on the driver's car. |
| What if I rent a vehicle through Uber? | All rental offers available through Uber's Vehicle Marketplace include insurance. Some partners offer the option to purchase additional insurance. |
| What if I am commercially licensed and insured? | If you drive for Uber and are commercially licensed to operate commercial vehicles, you're required to have your own commercial auto insurance. |
| How do I submit a claim? | For Massachusetts and Minnesota drivers, you may submit a claim by providing written notice of a loss within 90 days of the accident through an online form or by calling 844-747-4681 (24/7). For Washington rideshare drivers, you can file a workers' compensation claim with the Washington Department of Labor & Industries by calling 1-800-547-8367. |
| What if I'm an Uber passenger? | Your personal automobile policy will most likely not cover you in an Uber or other ridesharing service. |
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What You'll Learn
Uber's insurance requirements for drivers
Uber maintains auto liability insurance on behalf of all US rideshare drivers while they are logged into the Uber app. This insurance is renewed annually and covers drivers from the moment they go online to wait for a trip request, while they are driving to pick up a rider, and until the trip ends. Uber's insurance covers drivers in the event of a crash or accident, including third-party liability insurance that covers the cost of injuries or damage caused by the driver. The coverage limits vary by state but are at least $1,000,000.
Uber's insurance covers bodily injury and property damage liability to third parties resulting from a covered accident, such as riders, people in other vehicles, pedestrians, or property damage. It also includes uninsured or underinsured motorist bodily injury coverage, which insures injuries to the driver and riders if an accident occurs during an Uber trip, and the other driver is at fault and does not have sufficient insurance. This insurance may also apply in the case of a hit-and-run.
Additionally, Uber offers optional injury protection for drivers, which provides medical coverage for covered accidents and additional benefits such as disability earnings replacement and survivor benefits. This coverage is separate from the auto liability insurance maintained by Uber and is designed to help drivers manage risk. It is important to note that auto liability insurance may not cover personal medical expenses, so drivers should check their policies for further details.
To be eligible for comprehensive and collision insurance maintained by Uber, drivers must maintain comprehensive and collision insurance on their personal auto policy. This means that any repairs to a driver's car when they are en route to or on a trip are contingent on their personal insurance including comprehensive and collision coverage. Uber's insurance will then provide additional coverage up to the car's actual cash value, regardless of who is at fault.
Finally, Uber maintains commercial auto insurance on behalf of drivers who rent vehicles through Uber's vehicle solutions partners. All rental offers through Uber's Vehicle Marketplace include insurance, and some partners offer the option to purchase additional insurance.
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Uber's insurance coverage for passengers
Uber maintains auto insurance on behalf of its drivers and delivery people. Uber partners with top national auto insurance companies to maintain commercial auto insurance. This insurance covers drivers from the moment they go online to wait for a trip request until the trip ends. Uber's insurance also covers the period when the driver is heading to pick up a rider or goods.
Uber's passenger insurance covers medical expenses and may also include personal injury protection. The availability and extent of financial compensation provided by Uber's passenger insurance can vary depending on the specific facts of each case, the severity of injuries, and the applicable laws in the jurisdiction. It is recommended to consult with an experienced attorney to understand the details of Uber's passenger insurance coverage and pursue compensation effectively.
In some states, such as Massachusetts and Minnesota, Uber provides Occupational Accident Insurance for its drivers. This insurance covers medical expenses, disability payments, and survivor benefits for accidents that occur while the driver is online and waiting for a passenger or on the way to pick up a passenger. Uber also offers Optional Injury Protection for delivery persons in certain states, which provides additional coverage.
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Uber's insurance coverage for drivers
Uber maintains auto liability insurance on behalf of all US rideshare drivers while they are logged into the Uber app. This insurance covers drivers from the moment they go online to wait for a trip request, until the trip ends. Uber renews this commercial auto insurance annually, and the insurance carrier in your state may change. You can find out which carrier insures you by checking the Insurance Hub in the Driver app.
Uber's insurance covers drivers for up to $50,000 per person and $100,000 per accident for injuries and property damage. The company may also maintain extra coverage, depending on the laws of your state. This can include coverage for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver, and personal injury protection for medical expenses and lost wages, regardless of who is at fault.
Uber also offers optional injury protection for drivers, which provides medical coverage for covered accidents, along with disability earnings replacement and survivor benefits. This insurance is completely optional and can be terminated at any time. It is designed to help manage risk and protect drivers if they are unable to work due to an accident.
It is important to note that Uber's insurance does not cover regular maintenance on your car. As an independent contractor, you are responsible for your car maintenance. Additionally, Uber's insurance is not applicable if you are not online and available for trip requests. In that case, you would need to rely on your personal insurance policy. To be eligible for comprehensive and collision insurance maintained by Uber, you must maintain comprehensive and collision insurance on your personal auto policy.
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Uber's insurance partnerships
Uber maintains commercial auto insurance on behalf of its drivers and delivery people. Uber partners with top national auto insurance companies in the US to maintain this insurance. Uber renews its commercial auto insurance every year, and the insurance carrier in a driver's state may change annually. Uber drivers can use the map or the Insurance hub in the Driver app to see which carrier insures them while they drive or deliver with the Uber platform.
Uber's insurance covers drivers from the moment they tap "Go" to wait for a trip request, while they are driving to pick up a rider or goods, and until the trip ends. Uber maintains insurance on behalf of drivers to cover their liability for the cost of property damage and injuries to riders and third parties involved in accidents. This insurance is only applied during trips and while drivers are heading to riders. Uber's insurance also covers rental cars obtained through Uber's Vehicle Marketplace.
However, Uber drivers are still required to have their own car insurance as their policy may need to cover damages in certain instances. Uber may not directly verify a driver's insurance status with the provider but may instead rely on the driver's proof of coverage. Uber's insurance does not cover regular maintenance on a driver's car, and drivers are responsible for their car maintenance.
If you are injured in an Uber accident, you must navigate a complex legal framework before receiving a settlement check. An experienced Uber accident lawyer can help you recover financial compensation and determine whether you can sue Uber.
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Claiming insurance after an accident
Uber maintains commercial auto insurance on behalf of its drivers and delivery partners. This insurance is renewed annually and covers drivers from the moment they accept a trip request, while they are driving to pick up riders or goods, and until the trip ends.
If you are involved in an accident while driving with Uber, you must report it to Uber and submit a claim. This can be done through the Driver app by selecting the Safety Toolkit (blue shield symbol) and then choosing 'Report a crash'. Here, you can report what happened and submit your claim. Alternatively, you can speak with Uber's trained support staff by choosing 'Safety' from the Help section of the app and then selecting 'Safety Incident Reporting Line'. Outside of the app, you can also call Uber's toll-free number or submit a crash report online. It is recommended to complete this process as soon as possible, and Uber's claims support team will guide you through the claims process and crash reporting to the insurance coverage provider in your state.
Before submitting a claim, it is important to take photos of any damage to the vehicles involved, including your own, and to get the contact and insurance information of other involved drivers and riders. If it is safe to do so, it is also advisable to take photos of the accident location.
If your car requires repairs, Uber's insurance will kick in as long as you maintain comprehensive and collision coverage on your personal auto insurance and were en route or on a trip. The insurance goes towards repairs and replacement for your car up to its actual cash value, but you must pay a deductible before this coverage applies. Uber's insurance does not cover the cost of a rental car while your vehicle is being repaired, but you can explore rental options on Uber's Vehicle Marketplace.
For drivers in Massachusetts, Minnesota, and Washington, there are specific procedures in place for submitting a claim. In Massachusetts and Minnesota, a claim can be submitted by providing written notice of a loss within 90 days of the accident through an online form or by calling a toll-free number to request a physical claim form. In Washington, rideshare drivers can file a workers' compensation claim with the Washington Department of Labor & Industries by calling a specific number or submitting a claim online.
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Frequently asked questions
Yes, Uber maintains auto insurance on behalf of its drivers and delivery people. Uber partners with top insurance companies in the US to maintain commercial auto insurance. However, Uber drivers are required to have their own car insurance because their policy may need to cover damages in certain instances.
If you get into an accident while driving with Uber, you can report it to Uber first. If you were online and available for a trip at the time of the accident, Uber maintains insurance to cover your liability for the cost of property damage and injuries to riders and third parties involved in the accident.
Uber provides insurance coverage for its passengers. If you are injured in an accident as an Uber passenger, you should assess the situation and call 911 if needed. You should also take pictures, if possible, and complete a third-party incident notice.
