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While you are driving to a pickup in California, the platform must carry $1,000,000 in coverage that pays first for harm you cause to others for death, personal injury, and property damage.

While a passenger is in your car in California, the platform must carry $1,000,000 in coverage that pays first for harm you cause to others for death, personal injury, and property damage.

While you are logged on but have not accepted a ride, Washington law requires coverage of $50,000 per injured person, $100,000 per accident, and $30,000 for property damage.

If you are logged into more than one app at once and have not accepted anything, Washington splits responsibility equally between those apps' insurers.

While you are logged on but have not accepted a ride, Minnesota requires coverage of $50,000 for one injured person, $100,000 if more than one person is hurt, and $30,000 for property damage.

While you are logged on but have not accepted a trip, New York requires $75,000 for one injured person, $150,000 if more than one is hurt, and $25,000 for property damage - the highest waiting-period amounts of any state we cover.

While you are logged on and available but not on a ride, Connecticut requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage.

While you are logged on but have not accepted a ride, New Jersey requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage, plus coverage for your own medical bills.

While you are logged on but have not accepted a ride, North Carolina requires $50,000 for one injured person, $100,000 per accident, and $25,000 for property damage.

While you are logged on but have not accepted a ride, Florida requires $50,000 for one injured person, $100,000 per incident, and $25,000 for property damage.

While you are logged on but have not accepted a ride, Texas requires $50,000 for one injured person, $100,000 per incident, and $25,000 for property damage.

While you are logged on but have not accepted a ride, South Carolina requires $50,000 for one injured person, $100,000 per incident, and $50,000 for property damage - twice what most states require for property.

Since January 2025, Uber automatically covers injuries to Minnesota Rides drivers. No signup, no cost to you.

Since January 2025, Lyft automatically covers injuries to Minnesota drivers on trips - free, no signup. But unlike California, it does not cover you while you are waiting.

While a passenger is in your car in California, the platform must carry uninsured and underinsured motorist coverage of $60,000 per person and $300,000 per incident.

Once your passenger is actually in the car, Washington requires $100,000 per person and $300,000 per accident of coverage for when the other driver has no insurance or not enough.

Once you accept a ride in Washington, coverage jumps to $1,000,000 for injuries and property damage combined. It stays there until the trip ends.

Once you accept a ride in Minnesota, coverage jumps to $1.5 million - higher than most states, which require $1 million.

Once you accept a trip in New York, coverage rises to $1.25 million for injuries and property damage combined.

Once you accept a ride in Connecticut, coverage rises to $1 million for injury, death, or property damage per accident.

Once you accept a ride in New Jersey, coverage rises to $1.5 million, plus $10,000 per person for medical bills.

Once you accept a ride in North Carolina, coverage rises to $1 million.

Once you accept a ride in Florida, coverage rises to $1 million.

Once you accept a ride in Texas, coverage rises to $1 million.

Once you accept a ride in South Carolina, coverage rises to $1 million.

Minnesota requires the platform to carry $1 million of coverage for injuries to you - not to other people - while you are on a ride. It cannot charge you for it or take it out of your pay.

Washington rideshare drivers have workers' compensation - the same system that covers people injured at work. It pays your medical care and part of your lost wages, and you claim it from a state agency, not from Uber or Lyft.

During a trip in New York, you must have $1.25 million of coverage for accidents caused by a driver with no insurance or not enough. In New York this one is mandatory rather than optional.

During a ride in New Jersey, you must have $1.5 million of coverage for accidents caused by a driver with no insurance or not enough.

Amazon's free insurance does not cover Amazon Flex drivers in New York. Amazon says you may need to buy commercial coverage yourself.

If you deliver for Uber Eats in New York, Uber says it does not cover damage to your own car at all - in any situation.

If you drive or deliver for Uber in California and get hurt on the job, you already have coverage for it. Uber provides it automatically, at no cost, and you did not have to sign up.

If you drive Lyft in California and get hurt on the job, you have coverage for it automatically and at no cost. There is one catch about the waiting period, and it involves other apps.

Because which insurance applies depends on what your app was doing, South Carolina requires the platform and the insurers to share your exact log-on and log-off times for the twelve hours either side of the accident.

New York's rideshare insurance law covers trips that begin outside New York City. What matters is where the trip started - not where you were when the accident happened.

Minnesota requires no-fault coverage the whole time you are driving for a platform. This pays some of your own medical bills and lost income regardless of who caused the accident.

If you drive Uber or Lyft in New York and get hurt on the job, you have workers' compensation through a fund created by New York State. You did not sign up for it and you do not pay for it.

If a New York driver dies while working, their family may receive $100,000 through the Black Car Fund. No signup was needed.

There is a second $100,000 death benefit, and this one only pays if the driver had signed up for the Fund's Drivers Benefits Program before the accident.

The Black Car Fund has a second set of benefits you must sign up for in advance. Free to join, but you cannot enrol after something happens.

Washington lets your own insurance company refuse to cover you while the app is on. That refusal can cover everything - injuries you cause, your medical bills, your car, all of it.

Washington requires the app to warn you, in writing, that your own insurance might not cover you while you are driving for them. You have to click or sign to acknowledge it.

Minnesota lets your own insurance refuse to cover you the whole time the app is on - everything, including no-fault. But if your own policy has lapsed, the platform's insurance has to pay from the first dollar and defend you.

Connecticut lets your own insurance refuse to cover you while you are logged on or on a ride. If your car is financed, driving commercially can also break your loan terms.

North Carolina writes the exclusion straight into the law. Your own insurance can refuse everything while you are driving for a platform - injuries, medical, uninsured drivers, and damage to your car.

South Carolina lets your own insurance refuse to cover you while the app is on - and an insurer that does is also excused from providing you a lawyer.

Related driver protection - not insurance. New York Uber and Lyft drivers earn paid sick leave: one hour for every thirty worked, up to 56 hours a year.

Minnesota requires coverage for when the other driver has no insurance, and separate coverage for when they have some but not enough. The minimum for each is $25,000 per person and $50,000 per accident.

Connecticut requires coverage for when the other driver has no insurance or not enough, in both periods. The minimum is $25,000 per person and $50,000 per accident.

South Carolina requires coverage for when the other driver has no insurance. Coverage for when they have some but not enough is different - insurers must offer it, but you choose whether to buy it.

In New York your rideshare coverage might come from two different policies - one for when you are logged on waiting, another for when you are on a trip. Your declarations page has to say which.

If your own insurance has lapsed or does not meet Connecticut's requirements, the platform's insurance has to pay from the first dollar and provide you a lawyer. It cannot wait for your insurer to refuse you first.

If your own insurance has lapsed, New Jersey requires the platform's insurance to pay from the first dollar.

If anyone but you is driving when an accident happens, Amazon says the claim will be denied. Not reduced - denied.

No. DoorDash's insurance does not cover damage to your own car at any point. DoorDash says that is for your own insurer to handle.

Uber's Optional Injury Protection is not available everywhere. Uber says 42 states, at 2.4 cents a mile - or 2.2 cents in Washington.

A rideshare add-on may not cover delivery work. DoorDash says so on its own site - an add-on might cover you before you accept an order but not during the delivery itself.

If Uber or Lyft pays to fix your car, you pay the first $2,500. That is far higher than the $250 to $1,000 most personal policies carry.

Uber's and Lyft's coverage for your own car only works if you already carry comprehensive and collision yourself. Liability-only drivers get nothing for their own vehicle.

California's rideshare insurance statute does not require the platform to carry uninsured or underinsured motorist coverage while you are logged on without an accepted ride. Whether you actually have coverage for uninsured and underinsured drivers then is a separate question we have not resolved - your own policy or the platform's own terms may provide it.

California's rideshare insurance statute does not require the platform to carry uninsured or underinsured motorist coverage while you are driving to a pickup. Whether you actually have coverage for uninsured and underinsured drivers then is a separate question we have not resolved - your own policy or the platform's own terms may provide it.

The $2,500 deductible you may owe for damage to your own car is set by the platform, not by Florida. We looked at the state's rideshare insurance law and it does not address deductibles at all.

The $2,500 deductible you may owe for damage to your own car is set by the platform, not by Texas. We looked at the state's rideshare insurance law and it does not address deductibles at all.

Washington's rideshare workers' compensation law does not cover food delivery drivers. That does not mean you have nothing - it means this particular law is not where your answer is.

Washington's workers' compensation does not cover a survivable injury while you are waiting for a request. But since June 2024, death benefits can reach families of drivers who die while logged on and waiting.

Washington's rideshare law says you must have coverage for uninsured drivers and for your own medical bills while you are logged on - but only as much as other Washington laws require, and those laws let people turn some of it down in writing.

In Portland, an accepted ride requires $1 million of liability coverage plus $1 million for accidents caused by uninsured drivers. We have not confirmed what applies elsewhere in Oregon.

The Black Car Fund says some injury and lost-wage claims must be filed within 30 days. It does not say which ones - so call quickly rather than working out whether yours qualifies.

Minnesota's rideshare insurance law is written around trips carrying a passenger. Delivery work falls outside it. What does cover delivery instead is a question we have not answered.

Related driver protection - not insurance. Washington gives rideshare drivers a right to paid sick time. We have not verified how much or how to claim it.

DoorDash covers you only once you have accepted an order, through to delivery. It does not publish how much coverage that is for the states we cover, so we are not showing a figure.

Uber describes the same coverage for Uber Eats as for rideshare - $1 million once you accept a delivery, and coverage for your own car with a $2,500 deductible if you already carry comp and collision. But Uber says the amounts vary by state, and we have only verified New York.

Amazon provides commercial car insurance free to delivery partners everywhere except New York. It covers three things: harm you cause to others, accidents with uninsured drivers, and damage to your own car. Amazon does not publish the amounts.

Amazon's coverage applies only while you are, in its words, actively delivering during the delivery block. Amazon does not say what that includes - so we cannot tell you whether the drive to the station counts.

DoorDash automatically provides coverage for injuries to you while delivering, at no cost and with no signup. We have not confirmed how much it pays.

Instacart says you are responsible for your own car insurance. What Instacart itself covers, when it applies, and whether it protects you are things we have not been able to confirm.