Insurance for Rideshare Drivers | Uber

Summary

Uber’s rideshare insurance guidance explains how coverage changes when a driver is offline, online and available, en route, or on-trip, and how personal auto insurance fits into each state. Drivers must maintain personal insurance at mandatory minimum limits, while Uber maintains commercial coverage on their behalf; repair coverage while en route or on-trip depends on comprehensive and collision coverage in the personal policy. When a driver is at fault while en route or on-trip, Uber lists at least $1 million in coverage for property damage and injuries to riders and third parties, plus vehicle-damage protection up to actual cash value with a $2,500 deductible, subject to conditions. The guidance also outlines optional protections, state-dependent coverages, certificates of insurance, and accident-reporting steps through the Driver app.

Takeaways

1. 1

   Offline driving is covered by the driver’s personal auto insurance, which must meet mandatory minimum limits and be documented to drive with Uber.

2. 2

   For an at-fault accident while en route or on-trip, Uber lists at least $1 million in coverage for property damage and injuries to riders and third parties.

3. 3

   Contingent vehicle-damage coverage can pay up to actual cash value with a $2,500 deductible, but requires comprehensive and collision coverage on the personal policy.