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I asked Uber support about insurance & this was their response:


Sep 2, 12:18

Hi David ,

Thanks for reaching out. Happy to help!

Below, you can find an overview of how insurance works for rideshare drivers with Uber. You can always read a more detailed overview http://newsroom.uber.com/2014/02/insurance-for-uberx-with-ridesharing/.

From the time you log into the Uber partner app until you accept a trip in Massachusetts we maintain a policy that provides 3rd party liability coverage in the amounts of $50k/$100k/$25k. This policy is contingent to your personal policy, meaning it will apply only if your personal auto insurance does not apply In the state of Massachusetts, we also maintain Uninsured Motorist coverage in amounts of $35k/$80k and Personal Injury Protection coverage in the amount of $8k.

From the time you accept a trip until its completion and the rider(s) exits the vehicle, in Massachusetts we maintain the following coverage:

• $1M of 3rd party liability;
• $1M of uninsured/underinsured motorist injury; and
• contingent comprehensive and collision insurance - so, if you maintain comprehensive and collision insurance on your own personal policy, our policy will cover physical damage to that vehicle up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible

In the state of Massachusetts, we also maintain Personal Injury Protection coverage in the amount of $8k.

Note, you are not required to purchase rideshare insurance as we will maintain coverage on your behalf that will comply with all state and local laws.

Please note that you can find the certificate of insurance we maintain here and you can also find this in the app through the Waybill.

Please let me know if you have any more questions.


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