In The US, What Insurance Is Available If There’s An Accident?
If you’re taking a ride requested through UberBLACK, UberSUV, or uberTAXI, your livery or taxi transportation provider carries a commercial insurance policy in at least the minimum amount required by local regulations. If you didn’t get his or her insurance information at the time of the accident, please reach out to us so we can connect you.
If you’re taking a ride requested through uberX, some transportation providers are rideshare drivers providing transportation with their personal vehicles. Rideshare providers carry personal insurance policies. However, there’s a commercial insurance policy for ridesharing with $1 million of coverage per incident. This policy covers drivers’ liability from the time a driver accepts your trip request through the app until the completion of your trip. This policy is expressly primary to the driver’s personal auto policy. An additional insurance policy covers drivers when they are logged into the Uber app but have not yet accepted a trip request.
There is also uninsured/underinsured motorist coverage (UI/UIM) of $1 million per incident for bodily injury, in case another motorist causes an accident and doesn’t carry adequate insurance. So, for example, injuries caused by a hit-and-run accident would be covered by the UI/UIM.
For additional information, visit our blog: blog.uber.com/ridesharinginsurance