Alyssa Lane
If you're a passenger, you're insured by Uber as soon as you get into the car. If you're a driver, Uber maintains insurance on your behalf to cover the cost to repair your car, up to the actual cash value, with a $2,500 deductible (or $1,000 if the vehicle is obtained through the Uber Vehicle Marketplace). Uber also offers rental vehicles through its Vehicle Marketplace, which includes insurance. However, drivers are required to have their own insurance and ensure it is up to date.
| Characteristics | Values |
|---|---|
| Rental cars | All rental offers available through Uber's Vehicle Marketplace include insurance. |
| Additional insurance | Some partners offer the option to purchase additional insurance. |
| Commercially licensed and insured drivers | Commercially licensed drivers operating commercial vehicles (e.g., black cars, limousines, taxis) are required to have their own commercial auto insurance. |
| Personal auto insurance | Uber drivers must have personal auto insurance that satisfies the minimum requirements of their state and includes comprehensive and collision coverage. |
| Uber-maintained insurance | Once a ride request is accepted, Uber maintains insurance to cover repair costs up to the car's actual cash value, with a deductible of $2,500 ($1,000 for vehicles from the Uber Vehicle Marketplace). |
| Coverage limits | Vary by state but are at least $1,000,000. Include uninsured/underinsured motorist bodily injury coverage and medical payments coverage (MedPay) or personal injury protection (PIP). |
| Accidents | Uber provides guidance on steps to take in the event of an accident, including reporting through the Driver app. |
| Optional Injury Protection | Depending on the state, drivers may opt in for additional coverage for medical expenses, disability, and survivor benefits. |
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What You'll Learn
Uber's insurance requirements for drivers
Uber drivers must carry insurance that complies with Uber's insurance requirements. Uber provides insurance for its drivers, but only in certain situations. Uber insurance only covers drivers when they are actively working and using the Uber app. It does not apply if the driver is offline or not working. Therefore, drivers should not rely solely on Uber insurance and should also have personal coverage with a rideshare endorsement.
Uber insurance provides coverage for Uber drivers and their passengers. It protects drivers, passengers, and third parties in accidents where the Uber driver is at fault. It offers up to $1,000,000 in third-party liability coverage and covers damages to the driver, passengers, or their car. However, there is a $2,500 deductible that the driver must pay before Uber insurance covers these damages.
Uber drivers are responsible for ensuring they meet the insurance requirements. In Michigan, for example, on-duty drivers who are available to transport passengers but not currently doing so must have liability coverage of at least $50,000 per person and $100,000 per incident for death or bodily injury. They also need property damage coverage of $25,000 and coverage for No-Fault PIP and property protection insurance benefits.
Uber drivers should understand the insurance requirements in their specific locations and ensure their personal insurance policies meet these requirements. In California, for instance, Uber and other transportation network companies are required to carry $1 million in liability coverage. Uber drivers should also be aware of any gaps in coverage and consider the limitations of Uber insurance to ensure they have adequate protection.
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Uber's insurance coverage for drivers
Uber offers insurance coverage to its drivers under specific circumstances. The company partners with top insurance companies in the US to maintain commercial auto insurance on behalf of its drivers. Uber's insurance coverage has different levels and limits and varies according to location.
When the Uber app is off, a driver is covered only by their own personal car insurance. When the app is turned on, a low level of liability insurance becomes active. When a trip is accepted, a higher level of coverage kicks in and remains active until the passenger exits the vehicle. Uber's insurance covers injuries sustained by passengers inside the car and any property harm to third parties. It also includes uninsured/underinsured motorist bodily injury coverage, which insures injuries to the driver and their riders if an accident occurs during an Uber trip, and the other driver is at fault and doesn't have sufficient insurance. Medical payments coverage (MedPay) or personal injury protection (PIP) may also apply to healthcare, medical, and funeral expenses if the driver and riders are injured in a covered accident, regardless of who is at fault.
Uber's insurance operates in tandem with the driver's personal auto insurance, and it is crucial for drivers to understand the different types of coverage and their associated limits to make informed decisions about their ride-sharing activities. Drivers should also be aware of the requirements in their state, as some states may require a commercial driver's license for Uber drivers.
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Uber's insurance coverage for riders
Uber maintains auto liability insurance on behalf of all US rideshare drivers while they are logged into the Uber app. This insurance covers liability for damage to other cars, property, and people (including passengers). Uber's insurance will also cover collision damage to your car if you have this coverage on your personal policy. However, it's important to note that Uber's insurance does not cover collision in the case of an at-fault accident, which the driver would need to cover themselves.
In the case of an accident, Uber provides a process for reporting and filing a claim. Riders can report accidents through the app, and Uber's support staff will guide them through the claims process. Uber's insurance may cover medical expenses and/or funeral expenses for riders injured in a covered accident, regardless of who is at fault. Additionally, if the accident involves an uninsured or underinsured motorist, Uber's insurance can cover injuries to riders if the other driver is at fault and doesn't have sufficient insurance.
It's worth mentioning that Uber is advocating for legislative changes to ensure that all trips are covered by insurance, reducing costs for riders and increasing earnings for drivers. However, it's important to understand that insurance coverages can vary by state and are not available countrywide. For example, some states offer Optional Injury Protection, which provides coverage for riders and their family members in case of injury or inability to work due to an accident.
While Uber maintains insurance for its drivers, riders should also be aware of their own personal insurance coverage. In some states, riders may need a specific rider on their private insurance policy to account for ridesharing services like Uber. This additional coverage is typically inexpensive and ensures that riders are protected in case of any incidents during their Uber trips.
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Accidents and how to file a claim
If you are in an accident while riding in an Uber, there are several steps you should take to ensure your safety and well-being and to file an insurance claim if necessary. Here is a guide on what to do in such a situation:
Immediate Actions:
- Ensure everyone involved is okay: Check on the well-being of everyone involved in the accident, including yourself, the driver, and other riders.
- Contact emergency services: If there are any injuries or the situation warrants medical or police attention, call 911 or the local emergency number. Be sure to save the police report number if a police report is made.
- Move to a safe location: If possible, move yourself and your vehicle to a safe location away from oncoming traffic to prevent further incidents or danger.
Documenting the Accident:
- Take photos: Document the incident by taking photos of any damage to the vehicles involved, including your own. Also, take pictures of the accident location, including any relevant details such as traffic signs, skid marks, or debris.
- Exchange information: Obtain the contact and insurance information of the Uber driver and any other involved drivers or riders.
- Gather witness information: If there are witnesses to the accident, ask for their contact information as well. Their accounts may be helpful if there are disputes about what happened.
Reporting the Accident:
- Report to Uber: As soon as possible, report the crash to Uber. You can do this through the Uber app by accessing the Safety Toolkit. Tap the blue shield symbol in the bottom left corner of the map and then select "Report a crash." Submit your claim and report what happened.
- Contact your insurance provider: Depending on the circumstances and the state you are in, you may need to contact your insurance company and inform them of the accident. Check with your insurance carrier to understand your policy and any necessary steps for filing a claim.
Filing an Insurance Claim:
- Understand Uber's insurance coverage: Uber maintains insurance on behalf of its drivers, and this coverage may apply to repairs and replacement for your vehicle up to its actual cash value. However, there is usually a deductible amount that you must pay before this coverage applies.
- File a claim with Uber: You can submit a claim directly from the Uber app or by contacting Uber support. They will guide you through the claims process and provide information on the specific coverage available.
- Explore rental options: If your vehicle is not drivable, you can explore rental car options through Uber's Vehicle Marketplace to get back on the road while your car is being repaired.
Please note that the specific insurance coverage and claim processes may vary depending on your location and the circumstances of the accident. Always refer to Uber's official website and your local regulations for the most up-to-date and accurate information.
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Rental vehicles and insurance
Uber has partnered with rental companies such as Avis and Hertz to provide rental vehicles to drivers. These rental agreements are directly between the driver and the rental company. The rental cost may include insurance, unlimited mileage, basic maintenance, and other options. For example, Avis offers weekly rentals that include liability insurance and basic maintenance. However, drivers are responsible for any damage up to a deductible, typically around $1000.
When renting a vehicle through Uber's partners, insurance is typically included in the rental cost. However, this insurance usually has a deductible, and drivers may have the option to purchase additional insurance for full coverage. The cost of extra insurance can vary, ranging from \$12.99 per day to \$35 per day or more, depending on the rental company and the level of coverage chosen.
It's important to note that Uber's insurance does not cover rental cars in the event of an accident. Uber maintains commercial insurance on behalf of its drivers, but this only applies when the driver is logged on, has accepted a ride request, or is on a trip. When driving a rental vehicle, the driver is typically covered by the rental company's insurance. The level of coverage and specific policies can vary depending on the rental company.
While Uber provides insurance for its drivers, it is important for drivers to understand the limitations and exclusions of this coverage. For example, Uber's insurance may not cover all types of accidents or incidents. In some cases, drivers may need to rely on their personal auto insurance or the rental company's insurance for coverage. Additionally, Uber offers Optional Injury Protection, which provides coverage for medical expenses and disability payments if a driver is injured in an accident and unable to work. This coverage is available for purchase in certain states and is designed specifically for rideshare and delivery drivers.
In the event of an accident while driving a rental vehicle for Uber, it is recommended to take the necessary steps to protect oneself legally. This includes keeping rental payment proof and receipts, documenting the incident through the rideshare app, filing an incident report with Uber, and returning the rental car to the agency. Seeking legal assistance from a skilled Uber rental car accident lawyer is also advisable to navigate insurance coverage and compensation claims effectively.
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Frequently asked questions
Uber maintains auto liability insurance on behalf of all US rideshare drivers while they are logged into the Uber app. Uber's insurance will cover the cost to repair your car, up to the actual cash value, with a deductible of $2,500 (or $1,000 if the vehicle is obtained through the Uber Vehicle Marketplace). Uber may also provide personal injury protection, which includes medical expenses and lost wages for you and your riders.
Uber's insurance will cover the cost of repairs to your car, regardless of who is at fault, as long as you have comprehensive and collision coverage on your personal auto insurance.
If an Uber driver is not licensed or insured to carry passengers for money, they are breaking the law. Uber requires drivers to have their own insurance, which must satisfy the minimum requirements of their state. Uber partners with top insurance companies in the US to maintain commercial auto insurance on behalf of drivers.
