🚦 When the App Is Off (Personal Use)
- Uber provides no coverage.
- You must rely entirely on your personal auto insurance policy.
📲 App On, Waiting for a Ride Request (Period 1)
- Uber offers limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
- No coverage for damage to your own car.
- This is often the biggest coverage gap and where many drivers are exposed.
🚘 En Route to Pick Up or During a Trip (Periods 2 and 3)
- Uber provides:
- $1 million in third-party liability coverage
- Uninsured/Underinsured Motorist Coverage
- Contingent collision and comprehensive (only if you have these on your personal policy)
- $2,500 deductible applies
What Uber Does Not Cover
Despite the impressive-sounding $1M liability coverage, Uber’s insurance:
- Doesn’t cover collision damage to your vehicle unless your personal insurance includes it.
- Doesn’t cover vehicle wear-and-tear, maintenance, or downtime losses.
- Offers no protection when you’re logged off.
That’s why supplemental coverage is necessary, especially during Period 1 and when you’re not on the app but using your car for both work and personal reasons.
What Are Uber’s Insurance Alternatives?
Uber does not provide alternatives like fully managed car insurance plans or premium coverage packages. However, they encourage drivers to purchase additional protection through:
🛡️ Rideshare Insurance from Reputable Providers
Uber has relationships with major insurance companies like:
- Allstate
- Progressive
- State Farm
- GEICO
- Farmers
These providers offer rideshare endorsements or hybrid policies tailored to fill the gaps between your personal policy and Uber’s coverage.
🧾 Third-Party Commercial Auto Policies
If you’re driving full-time or using your vehicle for multiple platforms (like Lyft, Uber Eats, or DoorDash), you might benefit from a commercial policy, which offers:
- Full coverage at all times
- No coverage gaps across apps
- Lower deductibles in some cases
Is Uber’s Insurance Enough?
In most cases: No.
It may be legally sufficient, but it’s not financially safe if:
- You rely on your car for income
- You can’t afford to pay thousands in repairs
- You want peace of mind during your off-hours
Florida rideshare drivers are especially vulnerable due to the state’s high accident and uninsured driver rates. That’s why at MyEasyRate, we help Uber drivers fill those gaps affordably and avoid claim denials.
