UAUberAccidentLawyer.us

State and trip phase checker

Uber Accident Insurance by State

Choose the state and the driver's trip phase to compare Uber accident insurance with verified state requirements. The checker separates the state-law excerpts from Uber's own certificate excerpts, so you can read both before reviewing a policy or claim. Use the table to compare the waiting period with the trip periods, and open a state's source note for the official URLs. Where a passage could not be verified, the cell says "Not verified." Read the conditions alongside each amount, including any phase or location limits. This tool is educational information, not legal advice. Have a licensed attorney or your insurer review the policy that applies to your accident.

Data as of September 29, 2026. Uber excerpts are as stated by Uber, as of September 29, 2026.

Trip phase

Choose a state to see its coverage excerpts.

State TNC insurance minimums and UM/UIM provisions

Period 1: app on, no accepted ride. Periods 2 and 3: en route to pickup and passenger on board. Read the quoted conditions in each row. Source URLs are provided in the source notes below.

StateTNC minimums for period 1Periods 2 and 3UM/UIM rule if statedStatute or regulator source
Alabama

Not verified

Not verified

Not verified

 Alabama source note

Not verified

Alaska

The following automobile insurance requirements shall apply while a participating transportation network company driver is logged onto the digital network of a transportation network company and is available to receive transportation requests but is not engaged in a prearranged ride: (1) primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury for each person, $100,000 for death and bodily injury for each incident, and $25,000 for property damage;

The following automobile insurance requirements shall apply while a transportation network company driver is engaged in a prearranged ride: (1) primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury, and property damage;

(2) uninsured or underinsured motor vehicle coverage as required under AS 21.96.020 and AS 28.20.440 ;

 Alaska source note

https://www.akleg.gov/basis/statutes.asp?media=print&secStart=28.23.050&secEnd=28.23.050

Arizona

the transportation network company driver or the transportation network company, or both, shall provide primary motor vehicle liability insurance coverage in the amount of $25,000 because of bodily injury to or death of one person in any one accident, subject to the limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident and $20,000 because of injury to or destruction of property of others in any one accident.

1. Primary commercial motor vehicle liability insurance that covers the transportation network company driver's provision of transportation network services in a minimum amount of $250,000 per incident, except that the minimum amount shall be $1,000,000 per incident when a passenger to whom the transportation network company driver is providing transportation network services is occupying the transportation network company vehicle.

2. Primary commercial uninsured motorist coverage in a minimum amount of either of the following, whichever is greater: (a) $25,000 per person and $75,000 per incident. (b) The minimum liability limits for bodily injury or death prescribed in section 28-4009.

 Arizona source note

https://www.azleg.gov/ars/28/04038.htm

Arkansas

Provides primary automobile liability insurance in 19 the amount of at least fifty thousand dollars ($50,000) for death and bodily 20 injury per person, one hundred thousand dollars ($100,000) for death and 21 bodily injury per incident, and twenty-five thousand dollars ($25,000) for 22 property damage while a participating transportation network company driver 23 is logged on to the transportation network company's digital network and is 24 available to receive transportation requests but is not engaged in a 25 prearranged ride.

Provides primary automobile liability insurance 34 coverage of at least one million dollars ($1,000,000) for death, bodily 35 injury, and property damage while a transportation network company driver is 36 engaged in a prearranged ride.

28 (C) Uninsured and underinsured motorist coverage; 29 (D) Medical payments coverage;

 Arkansas source note

https://arkleg.state.ar.us/Acts/FTPDocument?path=%2FACTS%2F2015%2FPublic%2F&file=1267.pdf&ddBienniumSession=2015%2F2015R

California

Transportation network company insurance shall be primary and in the amount of at least fifty thousand dollars ($50,000) for death and personal injury per person, one hundred thousand dollars ($100,000) for death and personal injury per incident, and thirty thousand dollars ($30,000) for property damage.

A transportation network company shall also maintain insurance coverage that provides excess coverage insuring the transportation network company and the driver in the amount of at least two hundred thousand dollars ($200,000) per occurrence

Transportation network company insurance shall be primary and in the amount of one million dollars ($1,000,000) for death, personal injury, and property damage.

A transportation network company shall provide uninsured motorist coverage and underinsured motorist coverage in the amount of sixty thousand dollars ($60,000) per person and three hundred thousand dollars ($300,000) per incident from the moment a passenger enters the vehicle of a participating driver until the passenger exits the vehicle.

 California source note

https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PUC&sectionNum=5433.

Colorado

(II) Meets at least the minimum coverage of at least fifty thousand dollars to any one person in any one accident, one hundred thousand dollars to all persons in any one accident, and for property damage arising out of the use of the motor vehicle to a limit, exclusive of interest and costs, of thirty thousand dollars in any one accident;

Coverage for incidents involving a driver during a prearranged ride must be in the amount of at least one million dollars per occurrence. The insurance policy must provide coverage at all times the driver is engaged in a prearranged ride.

documentation evidencing that the transportation network company has secured insurance coverage against damage caused by uninsured motorists, as described in section 10-4-609, for the driver and for each transportation network company rider in the driver's personal vehicle for incidents involving the driver during a prearranged ride. Such coverage must be in the amounts of at least two hundred thousand dollars per person and four hundred thousand dollars per occurrence.

 Colorado source note

https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-40.pdf

Connecticut

(1) For the period during which the driver is connected to the transportation network company's digital network and is available to receive requests for prearranged rides but is not engaged in the provision of a prearranged ride: (A) Primary automobile liability insurance coverage of at least (i) fifty thousand dollars for damages by reason of bodily injury to, or the death of, any one person, (ii) one hundred thousand dollars for damages by reason of bodily injury or death per accident, and (iii) twenty-five thousand dollars for property damage;

(2) For the period during which the driver is engaged in the provision of a prearranged ride: (A) Primary automobile liability insurance coverage of at least one million dollars for damages by reason of bodily injury, death or property damage per accident;

(B) uninsured and underinsured motorist coverage in accordance with the provisions of section 38a-336 .

 Connecticut source note

https://web.archive.org/web/20260216175525id_/https://www.cga.ct.gov/current/pub/chap_244c.htm

Delaware

a. Primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage; and b. Personal injury protection benefits that meet the minimum coverage amounts where required by § 2118 of Title 21; c. Uninsured and underinsured motorist insurance in the minimum amount of $100,000 per incident.

a. Primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury and property damage; b. Minimum coverage amounts where required by § 2118 of Title 21 and § 3902 of Title 18. c. Uninsured and underinsured motorist insurance in the minimum amount of $1,000,000 per incident.

a. Primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage; and b. Personal injury protection benefits that meet the minimum coverage amounts where required by § 2118 of Title 21; c. Uninsured and underinsured motorist insurance in the minimum amount of $100,000 per incident.

a. Primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury and property damage; b. Minimum coverage amounts where required by § 2118 of Title 21 and § 3902 of Title 18. c. Uninsured and underinsured motorist insurance in the minimum amount of $1,000,000 per incident.

 Delaware source note

https://delcode.delaware.gov/title2/c019/index.html

District of Columbia

Provides minimum coverage of at least $50,000 per person per accident, with up to $100,000 available to all persons per accident, and $25,000 for property damage per accident

A private vehicle-for-hire company or operator shall maintain a primary automobile liability insurance policy that provides coverage of at least $1 million per occurrence for accidents involving a private vehicle-for-hire operator at all times when the operator is engaged in a prearranged ride.

That the operator's personal automobile insurance policy may not provide coverage, including collision physical damage coverage, comprehensive physical damage coverage, uninsured and underinsured motorist coverage, or medical payments coverage because the operator uses a vehicle in connection with a private vehicle-for-hire company.

 District of Columbia source note

https://code.dccouncil.gov/us/dc/council/code/sections/50-301.29c

Florida

(b) The following automobile insurance requirements apply while a participating TNC driver is logged on to the digital network but is not engaged in a prearranged ride: 1. Automobile insurance that provides: a. A primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage;

(c) The following automobile insurance requirements apply while a TNC driver is engaged in a prearranged ride: 1. Automobile insurance that provides: a. A primary automobile liability coverage of at least $1 million for death, bodily injury, and property damage;

b. Personal injury protection benefits that meet the minimum coverage amounts required under ss. 627.730 - 627.7405 ; and c. Uninsured and underinsured vehicle coverage as required by s. 627.727 .

b. Personal injury protection benefits that meet the minimum coverage amounts required of a limousine under ss. 627.730 - 627.7405 ; and c. Uninsured and underinsured vehicle coverage as required by s. 627.727 .

 Florida source note

http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.748.html

Georgia

a minimum of $100,000.00 for bodily injuries to or death of all persons in any one accident;

a maximum of $50,000.00 for bodily injuries to or death of one person and;

$50,000 loss or damage in any one accident to property of others. Drivers that accept a ride on the transportation company's network, until they complete fare:

$50,000 loss or damage in any one accident to property of others. Drivers that accept a ride on the transportation company's network, until they complete fare:

$1,000,000 limit for bodily injury to or death of one person.

Not verified

 Georgia source note

http://www.gamccd.net/Documents/FAQ_For-Hire_Tranportation_Service.pdf

Hawaii

(c) The following motor vehicle insurance requirements shall apply while a participating transportation network company driver is logged onto the transportation network company's digital network or software application service and is available to receive transportation requests but is not engaged in a prearranged ride: (1) Primary motor vehicle liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per accident, and $25,000 for property damage per accident, costs of defense outside of all such limits;

(d) The following motor vehicle insurance requirements shall apply while a transportation network company driver is engaged in a prearranged ride: (1) Primary motor vehicle liability insurance that provides at least $1,000,000 for death, bodily injury, and property damage per accident, costs of defense outside such limits;

(f) Insurers providing the motor vehicle insurance policies pursuant to this section shall offer the following optional coverages, which any named insured may elect to reject or purchase: (1) Uninsured and underinsured motorist coverages for the transportation network company driver and passengers, as provided in section 431:10C-301, which shall be equal to the primary liability limits specified in subsections (c) and (d);

 Hawaii source note

https://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0703.htm

Idaho

(2) The following automobile insurance requirements shall apply while a participating transportation network company driver is logged on to the transportation network company's digital network and is available to receive transportation requests but is not engaged in a prearranged ride: (a) Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000) for death and bodily injury per person, one hundred thousand dollars ($100,000) for death and bodily injury per incident and twenty-five thousand dollars ($25,000) for property damage.

(3) The following automobile insurance requirements shall apply while a transportation network company driver is engaged in a prearranged ride: (a) Primary automobile liability insurance that provides at least one million dollars ($1,000,000) for death, bodily injury and property damage;

Not verified

 Idaho source note

https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH25/SECT41-2519/

Illinois

(1) Automobile liability insurance shall be in the amount of at least $50,000 for death and personal injury per person, $100,000 for death and personal injury per incident, and $25,000 for property damage. (2) Contingent automobile liability insurance in the amounts required in paragraph (1) of this subsection (b) shall be maintained by a transportation network company

(c) The following automobile liability insurance requirements shall apply from the moment a TNC driver accepts a ride request on the transportation network company's digital network or software application until the TNC driver completes the transaction on the digital network or software application or until the ride is complete, whichever is later: (1) Automobile liability insurance shall be primary and in the amount of $1,000,000 for death, personal injury, and property damage.

(2) Insurance coverage provided under this subsection (c) shall also provide for uninsured motorist coverage and underinsured motorist coverage in the amount of $50,000 from the moment a passenger enters the vehicle of a participating TNC driver until the passenger exits the vehicle.

 Illinois source note

https://www.ilga.gov/legislation/ilcs/documents/062500570K10.htm

Indiana

Not verified

Not verified

Not verified

 Indiana source note

Not verified

Iowa

primary automobile insurance maintained pursuant to paragraph "c" shall cover the driver in the amount of at least fifty thousand dollars because of bodily injury to or death of one person in any one accident, the amount of at least one hundred thousand dollars because of bodily injury to or death of two or more persons in any one accident, and the amount of at least twenty-five thousand dollars because of injury to or destruction of property of others in any one accident.

3. a. While a transportation network company driver is engaged in a prearranged ride, primary automobile insurance maintained pursuant to paragraph "c" shall cover the driver in the amount of at least one million dollars because of bodily injury to or death of one or more persons and injury to or destruction of property of others in any one accident.

Not verified

 Iowa source note

https://www.legis.iowa.gov/docs/code/321N.4.pdf

Kansas

Primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage

Primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury and property damage

Not verified

 Kansas source note

https://www.kslegislature.gov/b2025_26/laws/008_000_0000_chapter/008_027_0000_article/008_027_0008_section/008_027_0008_k/

Kentucky

The minimum amount of insurance for pre-trip acceptance liability policies shall be fifty thousand dollars ($50,000) for death and personal injury to one (1) person, one hundred thousand dollars ($100,000) for death and personal injury resulting from one (1) incident, and twenty-five thousand dollars ($25,000) for property damage.

The minimum amount of insurance for prearranged ride liability policies shall be the same as for motor vehicles for the transportation of persons under subsection (4) of this section.

Not verified

 Kentucky source note

https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=55499

Louisiana

B. Automobile insurance during the pre-trip acceptance period shall: (1) Be in the amount of not less than fifty thousand dollars for death and bodily injury per person, not less than one hundred thousand dollars for death and bodily injury per incident, and not less than twenty-five thousand dollars for property damage.

C. Automobile insurance during a prearranged ride shall: (1) Be in the amount of not less than one million dollars for death, bodily injury, and property damage.

Include uninsured and underinsured motorist coverage to the extent required by R.S. 22:1295.

 Louisiana source note

https://www.legis.la.gov/legis/Law.aspx?d=963743

Maine

While a transportation network company driver is engaged in a prearranged ride, primary automobile liability insurance must be maintained in the following amounts:

For death and bodily injury, $50,000 per person; for death and bodily injury per incident, $100,000; and for property damage, $25,000;

For death, bodily injury and property damage, $1,000,000;

Uninsured vehicle and underinsured motor vehicle coverage required pursuant to section 2902

 Maine source note

https://www.legislature.maine.gov/statutes/24-A/title24-Asec7303.html

Maryland

(n) (1) "Transportation network services" means the activities of an operator during: (i) transportation network coverage period one, during which the operator is logged onto and ready to accept a prearranged ride request made through a transportation network company's digital network application; (ii) transportation network coverage period two, during which the operator accepts a ride request from a passenger that is prearranged through a transportation network company's digital network application, and is traveling to a predetermined location to pick up the passenger; and (iii) transportation network coverage period three, during which the operator transports the passenger and continuing until the passenger departs the motor vehicle.

security of at least: A. for the payment of claims for bodily injury or death arising from an accident, up to $50,000 for any one person and up to $100,000 for any two or more persons, in addition to interest and costs; and B. for the payment of claims for property of others damaged or destroyed in an accident, up to $25,000, in addition to interest and costs;

security of at least: A. for the payment of claims for bodily injury or death arising from an accident, up to $50,000 for any one person and up to $100,000 for any two or more persons, in addition to interest and costs; and B. for the payment of claims for property of others damaged or destroyed in an accident, up to $25,000, in addition to interest and costs;

uninsured motorist insurance coverage required under § 19-509 of the Insurance Article

 Maryland source note

https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gpu&section=10-405

Massachusetts

Not verified

Not verified

Not verified

 Massachusetts source note

Not verified

Michigan

Residual third party automobile liability insurance as required under section 3101 of the insurance code of 1956, 1956 PA 218, MCL 500.3101, in the amount of at least $50,000.00 per person for death or bodily injury, $100,000.00 per incident for death or bodily injury, and $25,000.00 for property damage.

Residual third party automobile liability insurance with a minimum combined single limit of $1,000,000.00 for all bodily injury or property damage.

Not verified

 Michigan source note

https://legislature.mi.gov/documents/mcl/pdf/MCL-ACT-345-OF-2016.pdf

Minnesota

primary coverage insuring against loss resulting from liability imposed by law for injury and property damage, including the requirements of section 65B.49, subdivision 3, in the amount of not less than $50,000 because of death or bodily injury to one person in any accident, $100,000 because of death or bodily injury to two or more persons in any accident, and $30,000 for injury to or destruction of property of others in any one accident;

primary coverage insuring against loss resulting from liability imposed by law for injury and property damage, including the requirements of section 65B.49 , in the amount of not less than $1,500,000 for death, injury, or destruction of property of others;

primary uninsured motorist coverage and primary underinsured motorist coverage where required by section 65B.49, subdivisions 3a and 4a

 Minnesota source note

https://www.revisor.mn.gov/statutes/cite/65B.472

Mississippi

Not verified

Not verified

Not verified

 Mississippi source note

Not verified

Missouri

Primary automobile liability insurance in the amount of at least fifty thousand dollars for death and bodily injury per person, one hundred thousand dollars for death and bodily injury per incident, and twenty-five thousand dollars for property damage;

Primary automobile liability insurance in the amount of at least one million dollars for death, bodily injury, and property damage;

Uninsured motorist coverage in an amount not less than the limits set forth in section 379.203

 Missouri source note

https://revisor.mo.gov/main/OneSection.aspx?section=379.1702

Montana

primary motor vehicle liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage

primary motor vehicle liability insurance that provides at least $1,000,000 for death, bodily injury, and property damage

uninsured motorist coverage when required by 33-23-201

 Montana source note

https://mca.legmt.gov/bills/mca/title_0690/chapter_0120/part_0030/section_0430/0690-0120-0030-0430.html

Nebraska

Unless otherwise specified, the following requirements shall apply to transportation network company insurance during the engaged stage and during the passengers on board stage:

Transportation network company insurance shall be primary and in the amount of at least twenty-five thousand dollars for death and personal injury per person, fifty thousand dollars for death and personal injury per incident, and twenty-five thousand dollars for property damage

Primary liability coverage in the amount of at least one million dollars for death, personal injury, and property damage

Uninsured and underinsured motorist coverage for both the driver and passengers in the amounts required by the Uninsured and Underinsured Motorist Insurance Coverage Act.

Uninsured motorist coverage pursuant to the Uninsured and Underinsured Motorist Insurance Coverage Act.

 Nebraska source note

https://nebraskalegislature.gov/laws/statutes.php?statute=75-334

https://www.nebraskalegislature.gov/laws/statutes.php?statute=75-333

Nevada

Not verified

Not verified

Not verified

 Nevada source note

Not verified

New Hampshire

Not verified

Not verified

Not verified

 New Hampshire source note

Not verified

New Jersey

Not verified

Not verified

Not verified

 New Jersey source note

Not verified

New Mexico

Not verified

Not verified

Not verified

 New Mexico source note

Not verified

New York

New York City is Excluded from the TNC Law The TNC Act applies across New York State except within New York City. New York City already allows ride sharing companies to operate under its existing Taxi & Limousine Commission requirements.

of at least seventy-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, to a limit of at least one hundred fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and to a limit of at least twenty-five thousand dollars because of injury to or destruction of property of others in any one accident

of at least one million two hundred fifty thousand dollars because of bodily injury to or death of any person, and injury to or destruction of property

While a TNC driver is driving a TNC passenger, the vehicle liability insurance required per occurrence is $1,250,000.

providing supplementary uninsured/underinsured motorist insurance for bodily injury, in the amount of one million two hundred fifty thousand dollars because of bodily injury to or death of any person in any one accident

 New York source note

https://www.nysenate.gov/legislation/laws/VAT/1693

https://dmv.ny.gov/business/information-for-tnc-passengers

North Carolina

Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000) because of death of or bodily injury to one person in any one accident and, subject to said limit for one person, one hundred thousand dollars ($100,000) because of death of or bodily injury to two or more persons in any one accident, and at least twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident.

Primary automobile liability insurance in the amount of at least one million dollars ($1,000,000) because of death of one or more persons, bodily injury to one or more persons, injury to or destruction of property of others, or any combination thereof, in any one accident.

Combined uninsured and underinsured motorist coverage that complies with the requirements of G.S. 20-279.21(b)(3) and (b)(4).

 North Carolina source note

https://www.ncleg.gov/enactedlegislation/statutes/html/bysection/chapter_20/gs_20-280.4.html

North Dakota

The coverage must include at least fifty thousand dollars per person and one hundred thousand dollars per incident for death and bodily injury and at least twenty-five thousand dollars for property damage.

Transportation network company liability insurance is primary and in the amount of one million dollars for death, bodily injury, and property damage.

Transportation network company insurance coverage provided under this section for uninsured motorist coverage must meet the requirements under section 26.1-40-15.2, which is primary coverage. 3. Transportation network company insurance coverage provided under this section for underinsured motorist coverage must meet the requirements under section 26.1-40-15.3, which is primary coverage.

 North Dakota source note

https://ndlegis.gov/cencode/t26-1c40-1.pdf

Ohio

(a) While a transportation network company driver is logged on to the transportation network company's digital network and is available to receive transportation requests but is not engaged in transportation network company services, primary automobile insurance shall be maintained in the following amounts: (i) At least fifty thousand dollars because of bodily injury to or death of one person in any one accident; (ii) At least one hundred thousand dollars because of bodily injury or death of two or more persons in any one accident; (iii) At least twenty-five thousand dollars because of injury to property of others in any one accident.

(b) While a transportation network company driver is engaged in transportation network company services, primary automobile insurance shall be maintained in an amount of at least one million dollars because of bodily injury or death of one or more persons or injury to property of others in any one accident.

Not verified

 Ohio source note

https://codes.ohio.gov/ohio-revised-code/section-3942.02

Oklahoma

Not verified

Not verified

Not verified

 Oklahoma source note

Not verified

Oregon

Not verified

Not verified

Not verified

 Oregon source note

Not verified

Pennsylvania

Not verified

Not verified

Not verified

 Pennsylvania source note

Not verified

Rhode Island

Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000) for death and bodily injury per person, one hundred thousand dollars ($100,000) for death and bodily injury per incident, and twenty-five thousand dollars ($25,000) for property damage.

Primary automobile liability insurance that provides at least one million five hundred thousand dollars ($1,500,000) for death, bodily injury, and property damage;

Uninsured and underinsured motorist coverage to the extent required by § 27-7-2.1.

 Rhode Island source note

https://webserver.rilegislature.gov/Statutes/TITLE39/39-14.2/39-14.2-14.htm

South Carolina

(1) primary automobile liability insurance in the amount of at least fifty thousand dollars for death and bodily injury per person, at least one hundred thousand dollars for death and bodily injury per incident, and at least fifty thousand dollars for property damage;

(C) The following automobile insurance requirements apply while a TNC driver is engaged in a prearranged ride: (1) primary automobile liability insurance that provides at least one million dollars for death, bodily injury, and property damage;

and at least fifty thousand dollars for property damage; (2) uninsured motorist coverage as required by Section 38-77-150;

death, bodily injury, and property damage; (2) uninsured motorist coverage as required by Section 38-77-150;

 South Carolina source note

https://www.scstatehouse.gov/code/t58c023.php

South Dakota

(1) Primary motor vehicle liability insurance in the amount of at least fifty thousand dollars for death and bodily injury per person, one hundred thousand dollars for death and bodily injury per incident, and twenty-five thousand dollars for property damage;

32-40-9 . Motor vehicle insurance requirements for driver engaged in prearranged ride. The following motor vehicle insurance requirements apply while a transportation network company driver is engaged in a prearranged ride: (1) Primary motor vehicle liability insurance that provides at least one million dollars for death, bodily injury, and property damage;

(2) Uninsured and underinsured coverage as required by §§ 58-11-9 and 58-11-9.4 ;

(2) Uninsured and underinsured coverage as required by §§ 58-11-9 and 58-11-9.4 ;

 South Dakota source note

https://sdlegislature.gov/api/Statutes/32-40-8.html

https://sdlegislature.gov/api/Statutes/32-40-9.html

Tennessee

Not verified

Not verified

Not verified

 Tennessee source note

Not verified

Texas

(A) $50,000 for bodily injury to or death for each person in an incident; (B) $100,000 for bodily injury to or death of a person per incident; and (C) $25,000 for damage to or destruction of property of others in an incident;

Sec. 1954.053. INSURANCE REQUIREMENTS: DURING PREARRANGED RIDES. At the time a transportation network company driver is engaged in a prearranged ride, the automobile insurance policy must provide, at a minimum: (1) coverage with a total aggregate limit of liability of $1 million for death, bodily injury, and property damage for each incident;

(2) uninsured or underinsured motorist coverage where required by Section 1952.101 ;

 Texas source note

https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1954.htm

Utah

(b) liability coverage in a minimum amount, per occurrence, of: (i) $50,000 to any one individual; (ii) $100,000 to all individuals; and (iii) $30,000 for property damage;

(b) liability coverage for a minimum amount of $1,000,000 per occurrence;

(d) uninsured motorist coverage where required by Section 31A-22-305 ; and (e) underinsured motorist coverage where required by Section 31A-22-305.3 .

 Utah source note

https://le.utah.gov/xcode/Title13/Chapter51/C13-51-S108_2016051020160510.html

Vermont

while a driver is engaged in a prearranged ride:

primary automobile liability insurance in the amount of at least $50,000.00 for death and bodily injury per person, $100,000.00 for death and bodily injury per incident, and $25,000.00 for property damage

primary automobile liability insurance that provides at least $1,000,000.00 for death, bodily injury, and property damage

uninsured and underinsured motorist coverage that provides at least $1,000,000.00 for death, bodily injury, and property damage

any other State-mandated coverage under section 941 of this title.

 Vermont source note

https://legislature.vermont.gov/statutes/section/23/010/00750

Virginia

Such coverage shall be primary and shall provide liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and at least $25,000 for property damage.

Such coverage shall be primary and the minimum amount of liability coverage for death, bodily injury, and property damage shall be $1 million.

TNC insurance shall provide uninsured motorist coverage and underinsured motorist coverage as required by § 38.2-2206 .

 Virginia source note

https://law.lis.virginia.gov/vacode/title46.2/chapter20/section46.2-2099.52/

Washington

(A) Liability coverage in an amount no less than fifty thousand dollars per person for bodily injury, one hundred thousand dollars per accident for bodily injury of all persons, and thirty thousand dollars for damage to property;

(ii) The primary automobile insurance policy required under this subsection must provide the following coverage, applicable during the period of a prearranged ride: (A) Combined single limit liability coverage in the amount of one million dollars for death, personal injury, and property damage;

(B) Underinsured motorist coverage to the extent required under RCW 48.22.030 ;

(iii) The primary automobile insurance policy required under this subsection must provide underinsured motorist coverage in the amount of $100,000 per person, $300,000 per accident from the moment a passenger enters the transportation network company vehicle of a driver until the passenger exits the transportation network company vehicle.

 Washington source note

https://app.leg.wa.gov/RCW/default.aspx?cite=46.72B.180

West Virginia

(1) Primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident and $25,000 for property damage;

(c) The following automobile insurance requirements apply while a transportation network company driver is engaged in a prearranged ride: (1) Primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury and property damage;

(2) Uninsured and underinsured motorists' coverage as required in section thirty-one, article six, chapter thirty-three of this code.

 West Virginia source note

https://code.wvlegislature.gov/17-29-8/

Wisconsin

1. The insurance is primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per per- son, $100,000 for death and bodily injury per incident, and $25,000 for property damage.

(c) The following automobile insurance requirements apply while a participating driver is engaged in transportation network services: 1. The insurance is primary automobile liability insurance in the amount of at least $1,000,000 for death, bodily injury, and property damage.

2. The insurance provides primary uninsured motorist cover- age in accordance with the requirements under s. 632.32 (4) (a) 1.

 Wisconsin source note

https://docs.legis.wisconsin.gov/statutes/statutes/440.pdf

Wyoming

(i) Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000.00) for death and bodily injury per person, one hundred thousand dollars ($100,000.00) for death and bodily injury per incident and twenty-five thousand dollars ($25,000.00) for property damage

(c) The following automobile insurance requirements shall apply while a driver is engaged in a prearranged ride: (i) Primary automobile liability insurance that provides at least one million dollars ($1,000,000.00) for death, bodily injury and property damage

and (ii) Uninsured motorist coverage as required by W.S. 31-10-101. (c) The following automobile insurance requirements

for death, bodily injury and property damage; and (ii) Uninsured motorist coverage as required by W.S. 31-10-101. (d)

 Wyoming source note

https://wyoleg.gov/statutes/compress/title31.pdf

Uber accident insurance questions

Which insurance applies when the Uber app is off?

Uber states: Your personal auto insurance covers you while you're offline. Select App off to see the source excerpt.

What does Uber state about waiting for a ride request?

As stated by Uber: Accidents happen. Suppose you're at fault and another person gets hurt or their vehicle gets damaged. In that case, our third-party liability insurance covers the cost of injuries or damage in at least the following amounts: $50,000 per person and $100,000 per accident for injuries $25,000 in property damage per accident Select your state to compare its law with its Uber certificate.

What does Uber state about an accepted trip?

As stated by Uber: Coverage when you're en route or on a trip Uber maintains some of the most comprehensive insurance for ridesharing and deliveries, including: Insurance that covers at least $1,000,000 for property damage and injuries to riders and third parties involved in an accident where you're at fault Use the en route or passenger on board selection to read the corresponding certificate excerpts.

Is UM/UIM the same in every state?

Uber states: The insurance coverages and limits maintained by Uber, including uninsured/underinsured ("UM/UIM"), vary by state and have changed over time. Uber maintains UM/UIM for rideshare in states where it is required by law. Uber does not maintain UM/UIM for rideshare or delivery in every state. The table shows verified state-law provisions separately from the certificate excerpts.

Does Uber state a deductible for damage to the driver's car?

Uber states: Insurance that covers the cost to repair your car, up to the actual cash value, with a $2,500 deductible, contingent on your personal insurance including comprehensive and collision coverage.

Does this checker cover commercial drivers?

Uber states: If you're a commercial driver using a commercial vehicle, such as a licensed for-hire vehicle, black car, limousine, livery vehicle, or taxi, you must have your own commercial insurance to drive with Uber. Review that distinction before using the rideshare results.

Sources and verification notes

State minimums use official legislature or regulator text. Uber coverage uses Uber's insurance page and state certificates. A readable Wayback copy from 2025 or later is used when a direct official page blocks access. Source excerpts use plain punctuation. "Not verified" means we could not confirm that cell; it is not a statement that no coverage exists. Review the actual policy with a licensed attorney or insurer. Educational information, not legal advice.

Alabama: official sources
  • https://tb-static.uber.com/prod/udam-assets/3df84859-9a1d-466a-88fd-f202c2db3c5d.pdf
Alaska: official sources
  • https://www.akleg.gov/basis/statutes.asp?media=print&secStart=28.23.050&secEnd=28.23.050
  • https://tb-static.uber.com/prod/udam-assets/f7c04255-61fa-467f-a183-07e67825c77f.pdf
Arizona: official sources
  • https://www.azleg.gov/ars/28/04038.htm
  • https://tb-static.uber.com/prod/udam-assets/e5fc09b9-1c12-4e9e-af7d-039cee218a88.pdf
Arkansas: official sources
  • https://arkleg.state.ar.us/Acts/FTPDocument?path=%2FACTS%2F2015%2FPublic%2F&file=1267.pdf&ddBienniumSession=2015%2F2015R
  • https://tb-static.uber.com/prod/udam-assets/b2ea8cc1-ed4e-4e0a-a77f-694412ee9ab3.pdf
California: official sources
  • https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PUC&sectionNum=5433.
  • https://tb-static.uber.com/prod/udam-assets/979fd65e-3f13-4807-9170-bb8525a6067d.pdf
  • Verified archive: https://web.archive.org/web/20260826214927id_/https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=5433.&lawCode=PUC
Colorado: official sources
  • https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-40.pdf
  • https://tb-static.uber.com/prod/udam-assets/c4be6805-9132-4123-9343-ffc82a742dd0.pdf
  • Verified archive: https://web.archive.org/web/20260711053507id_/https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-40.pdf
Connecticut: official sources
  • https://web.archive.org/web/20260216175525id_/https://www.cga.ct.gov/current/pub/chap_244c.htm
  • https://tb-static.uber.com/prod/udam-assets/d4833707-7120-4320-a9e9-7beeb1367bf4.pdf
Delaware: official sources
  • https://delcode.delaware.gov/title2/c019/index.html
  • https://tb-static.uber.com/prod/udam-assets/2a357e52-c5dd-4bdc-bd5b-3142c66c49ac.pdf
District of Columbia: official sources
  • https://code.dccouncil.gov/us/dc/council/code/sections/50-301.29c
  • https://tb-static.uber.com/prod/udam-assets/6d279e71-c66e-472e-a8d0-49ef2b9d3901.pdf
Florida: official sources
  • http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.748.html
  • https://tb-static.uber.com/prod/udam-assets/6d8b4479-b214-4559-b14c-97e2a27beabd.pdf
Georgia: official sources
  • http://www.gamccd.net/Documents/FAQ_For-Hire_Tranportation_Service.pdf
  • https://tb-static.uber.com/prod/udam-assets/ec107bb7-1642-4f22-aa7b-34fbcc2f4e2f.pdf
Hawaii: official sources
  • https://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0703.htm
  • https://tb-static.uber.com/prod/udam-assets/e693fe49-9624-49b4-86ba-6038a4ce86df.pdf
  • Verified archive: https://web.archive.org/web/20250820121628id_/https://www.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0703.htm
Idaho: official sources
  • https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH25/SECT41-2519/
  • https://tb-static.uber.com/prod/udam-assets/8df8a524-adda-4d98-ba79-73810d9b8e02.pdf
  • Verified archive: https://web.archive.org/web/20260617000403id_/https://legislature.idaho.gov/statutesrules/idstat/title41/t41ch25/sect41-2519/
Illinois: official sources
  • https://www.ilga.gov/legislation/ilcs/documents/062500570K10.htm
  • https://tb-static.uber.com/prod/udam-assets/8cbadf06-bc2c-452e-b8b5-f63b4a41b180.pdf
  • Verified archive: https://web.archive.org/web/20260119192853id_/https://www.ilga.gov/legislation/ilcs/documents/062500570K10.htm
Indiana: official sources
  • https://tb-static.uber.com/prod/udam-assets/0b14a53c-d0c0-4705-8b6a-c06bf7b7f9ec.pdf
Iowa: official sources
  • https://www.legis.iowa.gov/docs/code/321N.4.pdf
  • https://tb-static.uber.com/prod/udam-assets/c68906e9-4d87-4aaa-95ea-945304b42318.pdf
Kansas: official sources
  • https://www.kslegislature.gov/b2025_26/laws/008_000_0000_chapter/008_027_0000_article/008_027_0008_section/008_027_0008_k/
  • https://tb-static.uber.com/prod/udam-assets/8c7e1539-f508-4ea3-adba-37d4f806069f.pdf
Kentucky: official sources
  • https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=55499
  • https://tb-static.uber.com/prod/udam-assets/0ffd7a5b-514b-4add-acc3-a57444b4234c.pdf
Louisiana: official sources
  • https://www.legis.la.gov/legis/Law.aspx?d=963743
  • https://tb-static.uber.com/prod/udam-assets/c275ae7d-291e-40fa-9b66-b05f5e1c3a5e.pdf
Maine: official sources
  • https://www.legislature.maine.gov/statutes/24-A/title24-Asec7303.html
  • https://tb-static.uber.com/prod/udam-assets/a4bad074-b60f-4fef-9b95-2daa2eb184a6.pdf
Maryland: official sources
  • https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gpu&section=10-405
  • https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gpu&enactments=false&section=10-101
  • https://tb-static.uber.com/prod/udam-assets/cc094eee-a764-49e3-8541-495c35f44047.pdf
Massachusetts: official sources
  • https://tb-static.uber.com/prod/udam-assets/fa8a8cc8-c5d2-41d2-bce2-41a1ec03d6e7.pdf
Michigan: official sources
  • https://legislature.mi.gov/documents/mcl/pdf/MCL-ACT-345-OF-2016.pdf
  • https://tb-static.uber.com/prod/udam-assets/d806aa55-4159-43d8-b339-d3e26a4a657e.pdf
  • Verified archive: https://web.archive.org/web/20250403230446id_/https://legislature.mi.gov/documents/mcl/pdf/MCL-ACT-345-OF-2016.pdf
Minnesota: official sources
  • https://www.revisor.mn.gov/statutes/cite/65B.472
  • https://tb-static.uber.com/prod/udam-assets/e1537cfd-3f86-441e-8c73-a85dc8d767ec.pdf
Mississippi: official sources
  • https://tb-static.uber.com/prod/udam-assets/a82921a6-f1bb-472d-9290-42b085751c25.pdf
Missouri: official sources
  • https://revisor.mo.gov/main/OneSection.aspx?section=379.1702
  • https://tb-static.uber.com/prod/udam-assets/05cce1a7-f676-4736-abec-c1fda96f41a1.pdf
  • Verified archive: https://web.archive.org/web/20260520063813id_/https://revisor.mo.gov/main/OneSection.aspx?section=379.1702
Montana: official sources
  • https://mca.legmt.gov/bills/mca/title_0690/chapter_0120/part_0030/section_0430/0690-0120-0030-0430.html
  • https://tb-static.uber.com/prod/udam-assets/f3153c8d-7bba-4296-8d58-96f80d0d9610.pdf
Nebraska: official sources
  • https://nebraskalegislature.gov/laws/statutes.php?statute=75-334
  • https://www.nebraskalegislature.gov/laws/statutes.php?statute=75-333
  • https://tb-static.uber.com/prod/udam-assets/ecbf5c3b-0fc3-4c49-9636-595ad322ac0d.pdf
  • Verified archive: https://web.archive.org/web/20251110131923id_/https://nebraskalegislature.gov/laws/statutes.php?statute=75-334
  • Verified archive: https://web.archive.org/web/20260120040454id_/https://www.nebraskalegislature.gov/laws/statutes.php?statute=75-333
Nevada: official sources
  • https://tb-static.uber.com/prod/udam-assets/6c6d83f3-98a0-45c5-a5e3-dcb766c81797.pdf
New Hampshire: official sources
  • https://tb-static.uber.com/prod/udam-assets/a983e719-6c44-4a1c-8a2e-71554214a7eb.pdf
New Jersey: official sources
  • https://tb-static.uber.com/prod/udam-assets/7da39384-a58f-496b-afdc-a04abd50301d.pdf
New Mexico: official sources
  • https://tb-static.uber.com/prod/udam-assets/19d42769-16e5-4617-a72d-25b94991f006.pdf
New York: official sources
  • https://www.nysenate.gov/legislation/laws/VAT/1693
  • https://dmv.ny.gov/business/information-for-tnc-passengers
  • https://tb-static.uber.com/prod/udam-assets/61e10504-c40c-4476-bb0b-de45dd728d08.pdf
  • Verified archive: https://web.archive.org/web/20250915010726id_/https://www.nysenate.gov/legislation/laws/VAT/1693
  • Verified archive: https://web.archive.org/web/20260116090546id_/https://dmv.ny.gov/business/information-for-tnc-passengers
North Carolina: official sources
  • https://www.ncleg.gov/enactedlegislation/statutes/html/bysection/chapter_20/gs_20-280.4.html
  • https://tb-static.uber.com/prod/udam-assets/71222593-e58c-4f33-9920-e488aa4d2f9a.pdf
  • Verified archive: https://web.archive.org/web/20260614192410id_/https://www.ncleg.gov/enactedlegislation/statutes/html/bysection/chapter_20/gs_20-280.4.html
North Dakota: official sources
  • https://ndlegis.gov/cencode/t26-1c40-1.pdf
  • https://tb-static.uber.com/prod/udam-assets/1be240d7-c343-44ad-bcf9-0061a8e76e9c.pdf
Ohio: official sources
  • https://codes.ohio.gov/ohio-revised-code/section-3942.02
  • https://tb-static.uber.com/prod/udam-assets/a4db8d1a-b918-410d-8241-2ed2ea967e73.pdf
  • Verified archive: https://web.archive.org/web/2026id_/https://codes.ohio.gov/ohio-revised-code/section-3942.02
Oklahoma: official sources
  • https://tb-static.uber.com/prod/udam-assets/878d8ec5-5e63-42c6-a2a8-bc44280c733f.pdf
Oregon: official sources
  • https://tb-static.uber.com/prod/udam-assets/d9235324-4278-416e-8436-5c770808d233.pdf
Pennsylvania: official sources
  • https://tb-static.uber.com/prod/udam-assets/c642e023-d838-4f13-aae6-25c96a3fec56.pdf
Rhode Island: official sources
  • https://webserver.rilegislature.gov/Statutes/TITLE39/39-14.2/39-14.2-14.htm
  • https://tb-static.uber.com/prod/udam-assets/03c41307-6223-4999-8a4f-b975cd997155.pdf
  • Verified archive: https://web.archive.org/web/20260407114901id_/https://webserver.rilegislature.gov/Statutes/TITLE39/39-14.2/39-14.2-14.htm
South Carolina: official sources
  • https://www.scstatehouse.gov/code/t58c023.php
  • https://tb-static.uber.com/prod/udam-assets/e8d3b2c3-bfd3-4a7b-afac-4a6a5e912dbe.pdf
South Dakota: official sources
  • https://sdlegislature.gov/api/Statutes/32-40-8.html
  • https://sdlegislature.gov/api/Statutes/32-40-9.html
  • https://tb-static.uber.com/prod/udam-assets/dd6ee788-ed50-4606-85bc-77155220c14b.pdf
Tennessee: official sources
  • https://tb-static.uber.com/prod/udam-assets/e5604a77-d332-414c-baaa-b8d4738b7320.pdf
Texas: official sources
  • https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1954.htm
  • https://tb-static.uber.com/prod/udam-assets/548d7c52-6a8e-4061-8318-2998853b133a.pdf
  • Verified archive: https://web.archive.org/web/20241206203705id_/https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1954.htm
Utah: official sources
  • https://le.utah.gov/xcode/Title13/Chapter51/C13-51-S108_2016051020160510.html
  • https://tb-static.uber.com/prod/udam-assets/2702b254-88bf-4292-b6a2-236b5eab3b08.pdf
Vermont: official sources
  • https://legislature.vermont.gov/statutes/section/23/010/00750
  • https://tb-static.uber.com/prod/udam-assets/dc99083b-1724-40f2-8692-728540d558f1.pdf
  • Verified archive: https://web.archive.org/web/20250301070707id_/https://legislature.vermont.gov/statutes/section/23/010/00750
Virginia: official sources
  • https://law.lis.virginia.gov/vacode/title46.2/chapter20/section46.2-2099.52/
  • https://tb-static.uber.com/prod/udam-assets/919a6590-2a85-4810-942c-120a214d7cdc.pdf
Washington: official sources
  • https://app.leg.wa.gov/RCW/default.aspx?cite=46.72B.180
  • https://tb-static.uber.com/prod/udam-assets/6bb6ad8e-9202-4e17-9031-51b1b96e9aeb.pdf
West Virginia: official sources
  • https://code.wvlegislature.gov/17-29-8/
  • https://tb-static.uber.com/prod/udam-assets/d5424731-2ee8-4d13-afa9-3bd92854def0.pdf
Wisconsin: official sources
  • https://docs.legis.wisconsin.gov/statutes/statutes/440.pdf
  • https://tb-static.uber.com/prod/udam-assets/f2922058-5ee7-42e8-9250-350960ac7766.pdf
  • Verified archive: https://web.archive.org/web/20260904074916id_/https://docs.legis.wisconsin.gov/statutes/statutes/440.pdf
Wyoming: official sources
  • https://wyoleg.gov/statutes/compress/title31.pdf
  • https://tb-static.uber.com/prod/udam-assets/cb8d892e-c29b-4517-b61b-a2551d3534b7.pdf
Uber general insurance excerpts

  • Your personal auto insurance covers you while you're offline.

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • Uber maintains this commercial insurance on your behalf.

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • Accidents happen. Suppose you're at fault and another person gets hurt or their vehicle gets damaged. In that case, our third-party liability insurance covers the cost of injuries or damage in at least the following amounts: $50,000 per person and $100,000 per accident for injuries $25,000 in property damage per accident

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • Coverage when you're en route or on a trip Uber maintains some of the most comprehensive insurance for ridesharing and deliveries, including: Insurance that covers at least $1,000,000 for property damage and injuries to riders and third parties involved in an accident where you're at fault

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • Insurance that covers the cost to repair your car, up to the actual cash value, with a $2,500 deductible, contingent on your personal insurance including comprehensive and collision coverage.

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • The insurance coverages and limits maintained by Uber, including uninsured/underinsured ("UM/UIM"), vary by state and have changed over time. Uber maintains UM/UIM for rideshare in states where it is required by law. Uber does not maintain UM/UIM for rideshare or delivery in every state.

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • If you're a commercial driver using a commercial vehicle, such as a licensed for-hire vehicle, black car, limousine, livery vehicle, or taxi, you must have your own commercial insurance to drive with Uber.

    https://www.uber.com/us/en/drive/insurance/

    Verified archive: https://web.archive.org/web/20260825171649id_/https://www.uber.com/us/en/drive/insurance/

  • THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.

    https://tb-static.uber.com/prod/udam-assets/548d7c52-6a8e-4061-8318-2998853b133a.pdf

    Verified archive: https://tb-static.uber.com/prod/udam-assets/548d7c52-6a8e-4061-8318-2998853b133a.pdf

Rideshare · which policy period applies

Know what your uber accident claim is worth before you answer

An Uber accident claim hinges on the driver's app status at the moment of impact. The platform carries commercial coverage that activates in tiers , from the driver's personal policy when offline, through a contingent layer while awaiting a trip request, to full commercial liability during an active ride. Use the estimator above to map your situation to the right coverage tier.

Estimate my claim range Find my situation

Free estimator · nothing is stored or sent

Uber accident claim compensation estimator

Enter documented losses to see an informational value range built with the multiplier method insurance adjusters commonly apply, adjusted for your state's fault rule. It runs entirely in your browser.

Injury severity Minor2.0×Catastrophic  
Your share of the fault 0%0%100%
Case factors

Informational estimate

,

Fill in the form to see a likely range.

Pain & sufferingMedicalLost wagesOther costs
  • Medical & future care$0
  • Lost wages$0
  • Property & out-of-pocket$0
  • Pain & suffering $0
  • Comparative fault reduction$0
  • Gross estimate$0
  • Less contingency fee (33.3%)$0
  • Illustrative net to you$0

Medical liens, health-insurance subrogation, case costs and taxes on some damage categories are not modelled here.

This is not a valuation, an offer or legal advice. Real settlement value turns on evidence, causation, venue, insurance limits, liens and negotiation. Verify every figure with a licensed attorney in your state before you accept or reject anything.

How this works

Three steps, no phone number required

Most people arrive here after an insurance adjuster has already named a figure. The point of this page is simple: give you an independent second number, and the reasoning behind it, before you answer.

Step 01

Gather what you can document

Medical bills and expected future care, wages you actually lost, repair or total-loss figures, and the out-of-pocket costs people usually forget , travel to appointments, braces and devices, paid help at home.

Step 02

Run the estimator

It applies the multiplier method adjusters commonly use to non-economic damages, then adjusts for your state's comparative-fault rule and the policy limit that actually caps most claims.

Step 03

Take the range to a licensed attorney

The output is a discussion range, never a valuation. Bring it to a lawyer licensed in your state , most personal-injury consultations are free and fees are contingent , and let them price the parts a calculator cannot see.

By situation

Guides for your situation

Fault rules, insurance layers and typical evidence differ sharply between these. Start with the one that matches your facts.

Uber Accident Claim Process

Step-by-step guide from crash report to settlement or trial.

Uber Accident Settlement Timeline

How long each phase takes and what affects the pace.

What to Do After an Uber Accident

First 72 hours: scene actions, medical steps, evidence preservation.

Uber Accident Insurance Tactics

How insurers handle rideshare claims and how to respond.

By state

State rules that change what a claim is worth

Comparative fault, filing deadlines, damage caps, minimum liability limits and no-fault requirements are all set state by state. Pick yours.

Legal notice

UberAccidentLawyer.us is an informational website, not a law firm. It is operated by Mustafa Bilgic, an individual who is not a licensed attorney. Nothing here is legal advice, nothing creates an attorney-client relationship, and no calculator output is a valuation or an offer.

We do not take cases, review documents, contact insurers or refer you to a particular lawyer. Deadlines and fault rules vary by state and a missed deadline can end a valid claim permanently , consult a licensed attorney in your state before you accept, reject or file anything. Your state bar's referral service and the American Bar Association's Find Legal Help directory are independent starting points.

Questions

Questions people ask before they answer the adjuster

Can I sue Uber directly after a rideshare crash?

Uber classifies its drivers as independent contractors, which complicates direct claims against the company. Your claim typically targets Uber's commercial insurance policy rather than Uber as a corporate defendant. An attorney can assess whether the facts of your case support a direct negligence theory against the platform.

What happens if the Uber driver was at fault but the app was off?

When the app is off, Uber's commercial insurance does not apply. Your claim would run against the driver's personal auto policy, the same as any standard car accident. The driver's personal coverage limits and your own uninsured motorist policy become the relevant recovery sources.

Does Uber's insurance cover passengers injured during a ride?

Yes. When a passenger is in the vehicle during an active trip, the platform's commercial liability policy is in effect. Passengers are generally in the strongest position of any claimant because there is no dispute about app status or coverage tier at the time of impact.

What if another driver caused the accident while I was riding in an Uber?

You can pursue a claim against the at-fault driver's liability insurance. If that driver is uninsured or underinsured, the Uber commercial policy's uninsured motorist provision may cover the gap. Having both avenues available often strengthens your negotiating position.

How long does it take to resolve an Uber accident claim?

Straightforward soft-tissue cases with clear liability sometimes settle within a few months of reaching maximum medical improvement. Claims involving disputed fault, serious injuries, or litigation can extend well beyond a year. Reaching full medical recovery before settling is almost always the better approach.

MB
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Mustafa Bilgic , independent operator, UberAccidentLawyer.us

Not an attorney and not affiliated with any law firm. Pages here summarise publicly available law, federal agency data and documented insurance practice, with sources listed on each page.