Insurance to help protect you
Whether you are logged on or have accepted a rideshare¹ or delivery trip, Uber’s insurance meets—or exceeds—the required coverage.
If you’ve been in an accident, here’s what to do.
What rideshare and delivery drivers should know about coverage
When you earn with a transportation network company (TNC), referred to here as ridesharing, many states require extra—and costly—insurance.
Uber maintains this insurance on your behalf. What’s covered depends on factors such as who was at fault; whether you were offline, online, en route, or on-trip; and your personal insurance policy. Learn more about the coverage Uber maintains on your behalf below.
- Coverage when you’re offline
Your personal auto insurance covers you while you’re offline. You must maintain personal automobile insurance at mandatory minimum limits and provide proof of your insurance to drive and deliver with a vehicle with Uber.
Coverage to repair your car when you’re en route to or on a trip is contingent on your personal insurance including comprehensive and collision coverage.
- Coverage when you’re online and available for a trip
Accidents happen. Suppose you’re at fault and another person gets hurt or their vehicle gets damaged. In that case, our third-party liability insurance covers the cost of injuries or damage in at least the following amounts:
- $50,000 per person and $100,000 per accident for injuries
- $25,000 in property damage per accident
Depending on the law of your state, Uber may maintain extra coverage for you and your riders, including one or more of the following²:
- Coverage for you and your riders for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver
- Personal injury protection, including medical expenses and lost wages for you and your riders, no matter who’s at fault
- Medical payments coverage for you and your riders, no matter who’s at fault
- Coverage when you’re en route or on a trip
Uber maintains some of the most comprehensive insurance for ridesharing and deliveries, including:
- Insurance that covers at least $1,000,000 for property damage and injuries to riders and third parties involved in an accident where you’re at fault
- Insurance that covers the cost to repair your car, up to the actual cash value, with a $2,500 deductible, contingent on your personal insurance including comprehensive and collision coverage.³ This extra insurance maintained by Uber protects your car, no matter who’s at fault, if you maintain comprehensive and collision coverage on your own vehicle.
In most US states, you can also purchase Optional Injury Protection to cover your additional medical expenses if you’re hurt in an accident. This insurance offering, pioneered by Uber, is designed specifically for drivers.
Depending on the law of your state, Uber may maintain extra coverage for you and your riders, including one or more of the following²:
- Coverage for you and your riders for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver
- Personal injury protection, including medical expenses and lost wages for you and your riders, no matter who’s at fault
- Medical payments coverage for you and your riders, no matter who’s at fault
Looking for more details on insurance maintained by Uber in your state for ridesharing?
See the Certificates of Insurance here.
You can also access the Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.
What to do in an accident
We’re committed to everyone’s safety. If you’re involved in an accident, follow these steps:
Step 1
Ensure that everyone involved is OK. If there are injuries or damage, contact the police and paramedics. Be sure to save the police report number if there is one.
Step 2
Take photos of any damage to the vehicles involved, including your own, and get the contact and insurance information of other involved drivers and riders. We recommend taking photos of the accident location, too, if it’s safe to do so.
Step 3
The easiest way to report a crash is through the Driver app. Select the Safety Toolkit by tapping the blue shield symbol in the bottom left corner of the map, then tap Report a crash. Report what happened and submit your claim.
Or to speak with our trained support staff, choose Safety from the Help section of your app, then select Safety Incident Reporting Line. You can also submit a crash report here.
Whichever path you choose, please complete this process as soon as it’s reasonable to do so.
After your claim is submitted, a notification will show up on your Driver app homepage directing you to the Crash Center. This is your go-to resource for contacting Uber’s insurer, viewing your claim’s status, seeing rental car options, and more.
What riders should do
Riders can report an accident here.
What anyone else involved should do
Third parties can report an accident here.
Optional coverage for extra peace of mind
If Optional Injury Protection is available in your state and you choose to purchase it, coverage is available to you and your family members in case you’re injured in an accident and can’t work. Optional Injury Protection covers disability payments, medical expenses with no deductibles, and survivor benefit payments for your family members.
This insurance offering, which Uber pioneered, is designed specifically for Rides and Delivery drivers.
Coverage for commercial drivers
If you’re a commercial driver using a commercial vehicle, such as a licensed for-hire vehicle, black car, limousine, livery vehicle, or taxi, you must have your own commercial insurance to drive with Uber.
Frequently asked questions
- Do I need insurance?
As required by law, you must maintain personal automobile insurance at mandatory minimum limits and provide proof of your insurance to drive with Uber. Uber maintains commercial auto insurance on your behalf for ridesharing and delivery activities when you’re driving on our platform. When you’re not driving with Uber, you maintain your own personal auto insurance. Coverage to repair your car when you’re en route or on a trip is contingent on your personal insurance including comprehensive and collision 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. Contact your insurance agent, broker, or company for details.
- Where can I view the limits of insurance that Uber maintains on my behalf?
View more details on insurance maintained by Uber in your state for ridesharing by accessing Certificates of Insurance here.
You can also access the Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.
- 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.
- Am I still covered if I rent a vehicle through Uber’s vehicle solutions partners?
All rental offers available through Uber's Vehicle Marketplace include insurance. Some partners offer the option to purchase additional insurance.
- What about commercially licensed and insured drivers?
If you drive for Uber and are commercially licensed to operate commercial vehicles, such as black cars, for-hire vehicles, limousines, livery vehicles, or taxis, you're required to have your own commercial auto insurance.
- How do I purchase my own insurance, beyond what Uber maintains for me?
Expanding your personal auto insurance to include rideshare and delivery coverage could provide you with greater protection and get you back on the road faster in the event of an accident.
These insurers may offer personal rideshare and delivery insurance coverage options:
AAA Esurance State Farm Allstate Farmers Travelers American Family Liberty Mutual USAA Amica Mercury Erie Progressive Contact your insurance agent, broker, or company to learn about personal and commercial options.
- 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 the steps below.
For drivers
- Ensure that everyone involved is OK. If there are injuries or damage, contact the police and paramedics. Be sure to save the police report number if there is one.
- Take photos of any damage to the vehicles involved, including your own, and get the contact and insurance information of other involved drivers and riders. We recommend taking photos of the accident location, too, if it’s safe to do so.
- The easiest way to report a crash is through the Driver app. Select the Safety Toolkit by tapping the blue shield symbol in the bottom left corner of the map, then tap Report a crash. Report what happened and submit your claim. Or to speak with our trained support staff, choose Safety from the Help section of your app, then select Safety Incident Reporting Line. You can also submit a crash report here.
Whichever path you choose, please complete this process as soon as it’s reasonable to do so.
After your claim is submitted, a notification will show up on your Driver app homepage directing you to the Crash Center. This is your go-to resource for contacting Uber’s insurer, viewing your claim’s status, seeing rental car options, and more.
For riders
Riders may report an accident here.
For other parties
Other parties may report an accident here.
- If I’m in an accident, will Uber’s insurance cover a rental car for me?
No, it won’t. While your car is being repaired, you can explore available rental options on the Vehicle Marketplace to get back on the road. The Vehicle Marketplace is accessible through the Driver Crash Center. Get more details here.
For repairs to your vehicle, as long as you maintain comprehensive and collision coverage on your personal auto insurance, and as long as you were en route or on a trip, the insurance that Uber maintains on behalf of drivers will kick in. If applicable, this insurance goes toward repairs and replacement for your car up to its actual cash value. You must pay a $2,500 deductible before this coverage applies.³
- What insurance applies if I’m injured in an accident?
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 accident (online, en route, or on-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
- Medical payments coverage for you and your riders
- Coverage for you and your riders for injuries in a hit-and-run or an accident caused by an uninsured or underinsured driver
- In addition, depending on your state, you may be able to opt in for Optional Injury Protection insurance, which provides coverage for your own medical expenses, disability, and survivor benefits while you’re online, en route, or on-trip. Go here to learn more.
- What insurance applies if my vehicle is damaged?
Once you’ve accepted a ride request on the Uber platform, 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 may be $1,000 if you’re operating a vehicle obtained through the Uber Vehicle Marketplace), contingent on your personal insurance including comprehensive and collision coverage.³ This extra insurance maintained by Uber protects your car, no matter who’s at fault.
Please note that there’s no Uber-maintained collision or comprehensive coverage if (1) you’re offline, (2) you are online but haven’t yet accepted a trip, or (3) you don’t maintain comprehensive and collision insurance on your personal insurance policy.
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. You must maintain comprehensive and collision insurance on your personal auto policy to be eligible for comprehensive and collision insurance maintained by Uber. Rideshare-specific endorsements for additional coverage while operating on the Uber platform may also be available under your personal auto policy through your personal insurance carrier.
- What insurance applies if I am at fault for an accident?
If you were online and available for a trip at the time of the accident, Uber maintains insurance on your behalf to cover your liability for the cost of property damage and injuries to riders and third parties involved in the accident in at least the following amounts:
While online and available for a trip:
$50,000 per person and $100,000 per accident for injuries
$25,000 in property damage per accident
While en route or on a trip:
- At least $1,000,000 for property damage and injuries to riders and third parties involved in an accident
- What is injury protection?
Injury protection is insurance designed to protect drivers against covered injuries. This insurance provides benefits for medical expenses, disability, loss of life, and dismemberment while you’re online or on a trip. In 42 states, you may purchase Optional Injury Protection for $0.024 per mile ($0.022 per mile in Washington). Optional Injury Protection is not offered in all states. Learn more here.
In California, Uber maintains Occupational Accident insurance for rideshare and delivery drivers for accidents that occur while you’re online and waiting for a trip in California or on the way to a pickup or on a trip originating in California. Occupational Accident insurance is provided automatically for California rideshare and delivery drivers, and no sign up is needed. Coverage includes medical expenses, disability payments, and survivor benefits. You’re not covered when driving your vehicle for personal use.
In Massachusetts, effective October 1, 2024, Massachusetts Rides drivers have Occupational Accident insurance paid for by Uber. Occupational Accident insurance is provided automatically for Uber drivers for accidents that occur while you’re online and waiting for a passenger trip in Massachusetts, or on the way to pickup a passenger in Massachusetts, or on a Rides trip originating in Massachusetts. No sign up is needed. Coverage includes medical expenses, disability payments, and survivor benefits.
For protection on delivery trips, Massachusetts Rides drivers and delivery persons are eligible to enroll in Optional Injury Protection. Learn more about Optional Injury Protection here. You’re not covered by Occupational Accident insurance or Optional Injury Protection when driving your vehicle for personal use. Washington rideshare 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. 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. You’re not covered by workers’ compensation insurance or Optional Injury Protection when driving your vehicle for personal use.
- How do I file a claim under injury protection?
For drivers with Optional Injury Protection, you may submit a claim within 20 days of the accident through the online form here. You may call 844-747-6221 (toll-free), 24 hours a day, 7 days a week, or email ondemandcf@intactinsurance.com.
For California and Massachusetts drivers, you may submit a claim by providing written notice of a loss within 90 days of the accident through the online form here. To request a physical claim form, you may call 844-747-4681 (toll-free), 24 hours a day, 7 days a week.
For Washington rideshare drivers, rideshare 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.
Uber’s Certificates of Insurance per state
¹The rideshare insurance discussed here does not apply to commercially insured livery drivers.
²The insurance coverages discussed here do not apply to commercially insured livery drivers. For rideshare services, these coverages vary by state and are not available countrywide. These coverages are not typically available for delivery services. However, these coverages will always be available in states where required by law.
³May apply to damage to your vehicle as long as you have personal insurance that includes comprehensive and collision coverage for that vehicle to cover you while you’re not using the Driver app. If you only maintain liability insurance on your personal vehicle, you will not be eligible for contingent comprehensive and collision coverage. Uber does not provide comprehensive or collision coverage in any instance for commercially insured livery drivers, or for delivery drivers’ vehicles for Uber Eats trips in the state of New York. Comprehensive and collision coverage on vehicles rented through the Vehicle Marketplace may be subject to a $1,000 deductible.
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