Jane Dotson
Uber maintains commercial auto insurance on behalf of its rideshare and delivery drivers and partners with top insurance companies in the US to do so. 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 repairs to your vehicle, as long as you maintain comprehensive and collision coverage on your personal auto insurance. If you don't have comprehensive and collision coverage, you may need to contact your personal auto insurance carrier to inquire about this. If you are delivering with Uber Eats, you will also need to provide a copy of your Certificate of Motor Insurance.
| Characteristics | Values |
|---|---|
| Who is insured? | Rideshare and delivery drivers |
| When are drivers insured? | From the moment they tap "Go" to wait for a trip request, while driving to pick up a rider or goods, and until the trip ends |
| What type of insurance does Uber maintain? | Commercial auto insurance |
| What does Uber's insurance cover? | Physical damage coverage for the driver's car up to its actual cash value, regardless of who is at fault |
| What is the deductible for Uber's insurance? | $2,500 (certain vehicles offered through the Vehicle Marketplace have a $1,000 deductible) |
| How to file a claim? | Directly from the Uber app or by contacting support; there is no need to report to your personal insurance company |
| What if the driver is at fault for an accident? | Uber maintains insurance to cover the driver's liability for property damage and injuries to riders and third parties |
| What if the driver is injured in an accident? | Potential sources of recovery include the liability insurance of the other driver, personal injury protection (if required by the state), and lost wages for the driver and riders |
| What if the driver doesn't have comprehensive and collision coverage? | The driver should contact their personal auto insurance carrier to inquire about obtaining this coverage |
| What if the driver wants to deliver using Uber Eats? | The driver needs a Certificate of Motor Insurance and a valid policy at any given time while on the Uber platform |
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What You'll Learn
Uber's insurance requirements for rideshare and delivery drivers
Uber maintains commercial auto insurance on behalf of rideshare and delivery drivers. This insurance covers drivers from the moment they accept a trip request to the moment the trip ends. Uber renews this insurance annually.
Rideshare and delivery drivers are insured on every trip they take with Uber. If you are involved in an accident while driving with Uber, you can report it to Uber first, and their claims support team will guide you through the claims process. There is no need to report the incident to your personal insurance company.
To be eligible for comprehensive and collision insurance maintained by Uber, you must maintain comprehensive and collision insurance on your personal auto policy. If you don't already have comprehensive and collision coverage, you may need to contact your personal auto insurance carrier to inquire about such coverage.
If you are at fault for an accident while online and available for a trip, Uber maintains insurance to cover your liability for the cost of property damage and injuries to riders and third parties involved. This includes at least $1,000,000 for property damage and injuries. If you are injured in an accident while driving on the Uber platform, potential sources of recovery for your injuries may include the liability insurance of the other driver, as well as personal injury protection provided by Uber if required by the state in which you drive.
If you are a delivery driver using a car, motorbike, or scooter, you will need a Certificate of Motor Insurance that covers food delivery. Uber has approved insurance providers that will automatically upload your insurance certificate directly to your Uber account. However, you are free to choose your own insurance provider as long as you manually upload your insurance documents to your Uber account each time your policy renews.
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The insurance claims process
Uber maintains insurance on behalf of rideshare and delivery drivers. This insurance covers repairs and replacements for your car up to its actual cash value, as long as you maintain comprehensive and collision coverage on your personal auto insurance. There is a $2,500 deductible that you must pay before this coverage applies.
If you are involved in a crash while driving with Uber, you should report it to Uber as soon as it is reasonably possible. You can do this through the Driver app by going to the Safety Toolkit and tapping the blue shield symbol in the bottom left corner of the map, then choosing 'Report a crash'. You can also speak with Uber's trained support staff by choosing 'Safety' from the Help section of your app, then selecting 'Safety Incident Reporting Line'. Uber's claims support team will then guide you through the claims process.
If you have Optional Injury Protection, you may submit a claim within 20 days of the accident through an online form, by calling 844-747-6221 (toll-free), or by emailing [email protected].
If you are a commercially licensed driver with livery, black car, or private hire insurance, you should contact your commercial automobile insurance in addition to reporting the crash to Uber.
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Uber Eats insurance requirements
Insurance Requirements:
- Maintaining Personal Automobile Insurance: As an Uber Eats delivery driver, you are required to maintain personal automobile insurance at the mandatory minimum limits specified by your state or jurisdiction. You must provide proof of this insurance to be eligible to drive with Uber Eats. This insurance covers you when you are offline and not actively delivering on the Uber platform.
- Comprehensive and Collision Coverage: To be eligible for Uber's insurance coverage, you must maintain comprehensive and collision coverage on your personal auto insurance policy. This coverage is necessary for Uber's insurance to kick in and provide physical damage coverage for your vehicle, regardless of who is at fault.
- Certificate of Motor Insurance: If you are delivering with Uber Eats using a car, motorbike, or scooter, you will need a Certificate of Motor Insurance that specifically covers food delivery or hire and reward, including food delivery. Some insurance providers offer flexible policy options and automatically upload your insurance certificate to your Uber account.
- Commercial Auto Insurance: If you are commercially licensed to operate commercial vehicles, such as taxis or limousines, you are required to have your own commercial auto insurance. This insurance should cover rideshare and delivery services.
Insurance Procedures:
- Reporting Accidents: If you are involved in an accident while driving with Uber Eats, you should report it to Uber first. Uber's claims support team will guide you through the claims process. There is no need to report the accident to your personal insurance company directly.
- Insurance Coverage While Online: When you are logged on to the Uber platform, either waiting for a delivery request or during an active delivery trip, Uber's insurance coverage meets or exceeds the required limits. Uber maintains commercial auto insurance on your behalf for delivery activities.
- Insurance Coverage While Offline: When you are not actively driving or delivering with Uber Eats, your personal auto insurance policy remains in effect. It is important to ensure that your personal insurance provides sufficient coverage, including comprehensive and collision coverage, to protect yourself in case of any incidents while offline.
- Insurance for Repairs: If your vehicle requires repairs due to an accident while on the Uber platform, Uber's insurance may contribute to the repairs and replacement of your vehicle up to its actual cash value. However, you must pay a deductible (usually $2,500) before this coverage applies.
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Insurance coverage for repairs to your vehicle
Uber maintains commercial auto insurance on behalf of rideshare and delivery drivers. This insurance covers repairs to your vehicle, but only if you maintain comprehensive and collision coverage on your personal auto insurance. In other words, Uber's insurance will only kick in if your personal insurance includes comprehensive and collision coverage.
You must pay a deductible of $2,500 before Uber's coverage for repairs applies. Certain vehicles offered through the Uber Vehicle Marketplace are subject to a lower deductible of $1,000. If you're in an accident, you can submit a claim directly from the Uber app or by contacting support. There's no need to file a claim with your personal auto insurance company. Uber's claims support team will guide you through the claims process.
If you don't already have comprehensive and collision coverage, you may want to contact your personal auto insurance carrier to inquire about such coverage. Many personal auto insurers offer additional insurance for rideshare or delivery drivers, but this is not required for you to sign up to drive with Uber.
In some states, Uber may maintain extra coverage for you and your riders, including coverage for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver. You can also purchase Optional Injury Protection to cover your additional medical expenses if you're hurt in an accident. This insurance is designed specifically for rideshare and delivery drivers and is available in most US states.
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Insurance coverage for injuries
Uber maintains insurance on behalf of rideshare and delivery drivers. This insurance covers drivers on every trip they take with Uber. This means that if you're involved in a crash while driving with Uber, you can report it to Uber first, and their claims support team will guide you through the claims process.
If you're injured in an accident while driving on the Uber platform, potential sources of recovery for your injuries may include the liability insurance of the other driver. Depending on your state, your app status at the time of the accident (online, en route, or on a trip), and whether you are providing rideshare or delivery services, Uber may maintain personal injury protection, which includes medical expenses and lost wages for you and your riders.
Uber also offers optional injury protection for drivers. This insurance covers injuries to you and your family in six important ways if you're injured in a covered accident while online with Uber. It covers accident medical expenses up to a maximum of $1,000,000, with no deductible or copay, temporary total disability up to a maximum of $500 a week, and continuous total disability up to a maximum of $500 a week. You can enroll through the Insurance section of the Driver app or online. This coverage is completely optional, and you can enroll or terminate coverage at any time.
In addition, Uber maintains third-party liability insurance that covers the cost of injuries or damage in at least the following amounts: $50,000 per person and $100,000 per accident for injuries. Depending on the law of your state, Uber may also maintain extra coverage for you and your riders, including coverage for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver.
Finally, if you're a rideshare driver in Washington, you may be eligible to file a workers' compensation claim with the Washington Department of Labor & Industries. Similarly, Uber drivers in Minnesota are provided with Occupational Accident insurance, which covers accidents that occur while on the way to pick up a passenger or on a ride trip originating in Minnesota. This coverage includes medical expenses, disability payments, and survivor benefits.
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Frequently asked questions
Uber maintains commercial auto insurance on behalf of its drivers and delivery people. However, drivers must also maintain comprehensive and collision coverage on their personal auto insurance to be eligible for Uber's insurance. If you're delivering food for Uber Eats using a car, motorbike, or scooter, you'll also need a Certificate of Motor Insurance.
If you're in an accident while driving for Uber, you can report it to Uber first. Uber's claims support team will guide you through the claims process. You don't need to report the accident to your personal insurance company, but you will need to pay a deductible of $2,500 before Uber's insurance coverage applies.
If your insurance is rejected, you can visit the link on Uber's website to see all the requirements for a Certificate of Motor Insurance. Uber has a list of approved insurance providers that will automatically upload your insurance certificate directly to your Uber account. If you choose another insurance provider, you will need to manually upload the document each time the policy renews.
