What Does Uber Insurance Cover and What's Not Included

Uber insurance covers accidents, injuries, and damages that occur during an Uber ride, including medical expenses, lost wages, and vehicle repairs. This coverage extends to both drivers and passengers.

If you're involved in an accident, you can expect Uber's insurance to cover up to $1 million in damages. This includes injuries to you or your passengers, as well as damage to other vehicles or property.

Expand your knowledge: Does Motorcycle Insurance Cover Passengers

Uber provides insurance coverage for their drivers in Florida, which goes beyond the state's minimum requirements. This coverage kicks in when a driver is logged onto the Uber app and waiting for a customer or on their way to pick up a rider.

Uber drivers must carry a minimum of $50,000 in bodily injury liability coverage per person and $100,000 in bodily injury liability coverage per accident, as well as $25,000 in property damage liability coverage per accident.

If a driver is transporting riders, they must have a minimum of $1,000,000 in coverage for bodily injury and property damage. This is a significant increase from the standard coverage of $50,000 in bodily injury liability coverage per person and $100,000 in bodily injury liability coverage per accident.

Check this out: What Does Personal Property Insurance Cover

Uber provides the following coverage when a driver is logged onto the app and waiting for a ride request: $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.

Here's a breakdown of the coverage Uber provides for drivers in Florida:

This coverage is not just limited to Florida, as Uber provides similar coverage nationwide. If you're a Florida resident who gets into an Uber accident in another state, the same coverage applies.

A different take: What Does Renters Insurance Cover in Florida

You don't need Uber insurance if you're not driving for the company, and your personal policy is active. Your personal policy will cover you in that case.

However, if you're driving for Uber and the app is off, your personal policy with rideshare insurance will be the primary coverage. This is because the app is not on, and you're not in a ridesharing mode.

You might like: Does Insurance Cover Personal Trainers

Here's when your personal policy with rideshare insurance and Uber's insurance would apply during a shift:

In California, rideshare drivers are required to have a certain level of insurance coverage at all times. You must have personal insurance that meets California's minimum auto insurance requirements of $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage total, and $5,000 of property damage coverage per accident.

If you're driving for a rideshare company and the app is on, but you haven't been paired with a passenger, you'll need to have rideshare insurance with liability coverage. This coverage must have a minimum of $50,000 of bodily injury per person, $100,000 of bodily injury total, and $30,000 of property damage per accident.

The rideshare company may provide some level of coverage, but it's essential to confirm with your company whether you need to purchase additional insurance. Some drivers may not need to purchase rideshare insurance, but it's always a good idea to review your policy to ensure you're covered.

On a similar theme: Does My Insurance Cover Plan B

Here's a breakdown of the minimum insurance requirements for rideshare drivers in California:

Keep in mind that the laws mentioned above only apply to rideshare drivers, not limousine or taxi drivers, who have their own commercial auto insurance requirements.

In Florida, Uber drivers have additional insurance requirements beyond the state's minimum car insurance laws. All drivers registered in Florida must have a minimum of $10,000 in property damage liability (PDL) and personal injury protection (PIP) coverage.

If an Uber driver is logged onto their app and waiting for a customer or on their way to pick up a rider, they must carry extra coverage. This includes $50,000 bodily injury liability (BIL) coverage per person, $100,000 BIL coverage per accident, and $25,000 minimum property damage liability (PDL) coverage per accident.

When transporting riders, Uber drivers must have a minimum of $1,000,000 of coverage for bodily injury and property damage. You can also purchase your own commercial auto insurance policy, but most Uber drivers don't.

Here's a breakdown of the extra insurance requirements for Uber drivers in Florida:

As an Uber or Lyft driver, you're probably wondering what kind of insurance you need to be covered while on the job. Here's the lowdown: rideshare insurance provides minimal coverage while you're waiting for a ride request, but more complete coverage kicks in once you've accepted a ride and are carrying passengers.

Rideshare insurance is designed to offer liability coverage while you're waiting for a ride, but it's not full coverage. This means you're still responsible for any damage to your car or injuries to others while you're waiting for a ride.

Here's a breakdown of when different policies apply during a shift:

If you have full coverage and damage your car while ridesharing, you'll need to pay Lyft or Uber's deductible, which is $2,500, before their insurance pays out.

Uber's insurance policy fills gaps in coverage that your personal auto insurance may not provide. This includes liability coverage for accidents that occur while you're driving for Uber.

On a similar theme: Uber Insurance Claim

Personal auto insurance typically doesn't cover accidents that happen while driving for ride-sharing companies. Uber's insurance policy kicks in when you're logged into the app but haven't yet accepted a ride request.

If you're involved in an accident and you're at fault, Uber's insurance policy will cover damages up to the limits of your personal auto insurance policy. This means you won't be left with a hefty bill to pay.

In some cases, Uber's insurance policy may even provide coverage for accidents that occur when you're not driving, such as when you're walking to pick up a passenger. This is because the policy considers you to be "on the clock" when you're logged into the app.

On a similar theme: Does Insurance Cover Out of State Accidents

If you get in an accident while driving for Uber or Lyft, the company's insurance will provide up to $1,000,000 in liability coverage to pay for injuries and property damage you cause.

This coverage applies if you get in an accident while picking up or driving a passenger. You'll also have coverage for your own medical costs and related expenses if you're injured in an accident.

If you have comprehensive and collision insurance on your own policy, Uber or Lyft will pay to repair or replace your car if it gets damaged, regardless of fault.

However, if you get in an accident while waiting for your next ride request, things get a bit more complicated. You'll need to file a claim with your insurance company and with Uber or Lyft.

The ridesharing company's insurance will provide only liability coverage, which means injuries and damage you cause to others and their property are covered. But damage to your car is covered only if your personal policy includes comprehensive and collision coverage.

Here are some common scenarios and outcomes when driving for Uber or Lyft in most states: