The coverage for an accident involving an Uber driver is based on the work status of the driver at the time of the accident. Coverage for an accident involving an Uber driver includes:
- The driver is offline and not working: The driver’s own personal insurance policy covers any damage.
- The driver has the app on and is waiting for a ride request: Uber covers liability only in the amount of $50,000 per person bodily injury, capped at $100,000 per accident, with $25,000 in property damage.
- The driver has accepted a ride or is transporting a passenger: Uber provides $1 million third party liability, and $1 million uninsured/underinsured motorist bodily injury, as well as contingent comprehensive and collision coverage.
