Understanding Uber Insurance Coverage

Uber's Three-Period Insurance Model

Uber maintains different levels of insurance coverage depending on the driver's status in the app. Understanding these periods is crucial for accident claims.

Period 1: App On, Waiting for Request

**Coverage:** Contingent liability coverage

$50,000 per person bodily injury

$100,000 per accident bodily injury

$25,000 property damage

This coverage is contingent, meaning it only applies if the driver's personal insurance denies the claim or doesn't provide sufficient coverage.

Period 2: Ride Accepted, En Route to Pickup

**Coverage:** $1,000,000 commercial liability

Liability coverage: $1,000,000

Uninsured/Underinsured motorist: $1,000,000

Contingent collision/comprehensive (if driver has personal coverage)

Period 3: Passenger in Vehicle

**Coverage:** $1,000,000 commercial liability (same as Period 2)

This is when passengers are best protected

Coverage applies regardless of fault

Includes collision coverage up to actual cash value

What Uber's Insurance Covers

Medical expenses for injuries

Lost wages and income

Property damage (including to your personal belongings)

Pain and suffering

Future medical care

What Uber's Insurance Does NOT Cover

Driver's personal vehicle damage in Period 1

Intentional acts by the driver

Injuries from pre-existing conditions unrelated to accident

Punitive damages in some states

How to File an Uber Insurance Claim

1. Report the accident in the Uber app immediately 2. Get the driver's insurance information 3. Contact Uber's insurance carrier 4. Document all injuries and damages 5. Consider consulting an attorney before accepting any settlement

Important Notes

Uber's coverage is primary during Periods 2 and 3

Personal auto insurance often excludes rideshare activity

Coverage amounts may vary by state

Deductibles may apply for collision coverage