Coverage by period
Coverage
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.
$1 million
Pays first for harm to others
Death, personal injury and property damage
From acceptance
When this starts
The moment you accept the request
More details
The full explanation
Once a request is accepted and you are driving to the pickup, California requires $1,000,000 in coverage that pays first for harm you cause to others for death, personal injury, and property damage. The the platform policy is the coverage that pays first for harm you cause to others for this period.
Limits of this answer
This covers harm you cause to other people. Damage to your own vehicle is a separate question with different requirements.
What could change
SB 371 amended Pub. Util. Code 5433 effective January 1, 2026.
Sources
Coverage by period
Coverage
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.
$1 million
Pays first for harm to others
Death, personal injury and property damage
Passenger aboard
When this applies
From entry until your passenger exits
More details
The full explanation
While a passenger is in the vehicle and until they exit, California requires $1,000,000 in coverage that pays first for harm you cause to others. The the platform policy is the coverage that pays first for harm you cause to others for this period.
Limits of this answer
This covers harm you cause to other people. Damage to your own vehicle is a separate question.
What could change
SB 371 amended Pub. Util. Code 5433 effective January 1, 2026.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per accident
$30,000
If you damage property
Someone else's car, fence, building
Before you accept
When this applies
From logging on until you take a ride
More details
The full explanation
While you are logged on and available but have not accepted a ride, Washington requires coverage of at least $50,000 for injury to one person, $100,000 for everyone injured in one accident, and $30,000 for property damage.
This pays for harm you cause to other people. It does not pay to fix your own car, and it does not pay your own medical bills.
Limits of this answer
These are the least the law allows. The platform may carry more, and your own policy is a separate question.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Coverage by period
Coverage
If you are logged into more than one app at once and have not accepted anything, Washington splits responsibility equally between those apps' insurers.
Split equally
Between the apps
Only while you are logged on with no ride accepted
One app pays
Once you accept
Whichever app matched you takes over
Rideshare only
Not delivery
We have not verified any equivalent rule for delivery apps
More details
The full explanation
Being logged into two or three apps at once raises an obvious question: whose insurance is it?
Washington answers it, but only in a narrow situation - you are logged into more than one app, more than one of those policies actually covers the loss, and you have not accepted a ride from any of them. Then liability is split equally between them.
Once you accept a ride, this stops applying. The app that matched you is responsible.
Limits of this answer
This is a rideshare rule. We have not checked whether anything similar applies to DoorDash, Instacart, or Amazon Flex, and we are not assuming it does.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
One person · two or more
$30,000
If you damage property
Higher than most states
Before you accept
When this applies
Logged on, no ride yet
More details
The full explanation
While you are logged on and available but have not accepted a ride, Minnesota requires at least $50,000 of coverage if you injure one person, $100,000 if two or more people are hurt, and $30,000 for damage to someone else's property.
This pays for harm you cause to other people. It does not fix your own car.
Limits of this answer
These are the least the law allows. The platform may carry more, and it must tell you in writing what it provides before your first ride.
What could change
Low near-term risk; amended in 2024.
Sources
Coverage by period
Coverage
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.
$75K / $150K
If you injure someone
One person · two or more
$25,000
If you damage property
Someone else's car or property
Highest we have seen
How New York compares
Most states require $50,000 / $100,000
More details
The full explanation
While you are logged onto the app but have not accepted a trip, New York requires at least $75,000 of coverage if you injure one person, $150,000 if two or more people are hurt, and $25,000 for property damage.
Those injury figures are the highest we have found for this period in any state we cover. Most require $50,000 and $100,000.
Coverage for uninsured drivers and no-fault coverage are also required during this period.
New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
Limits of this answer
We are not publishing a figure for no-fault benefits. The requirement is confirmed but the amount differs by location within New York and we have not pinned it down. New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
What could change
A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per accident
$25,000
If you damage property
Someone else's car or property
Available, not driving
When this applies
Logged on with no ride accepted
More details
The full explanation
While you are connected to the app and available for requests but have not accepted a ride, Connecticut requires at least $50,000 of coverage for injury or death of one person, $100,000 per accident, and $25,000 for property damage.
This pays for harm you cause to other people.
Limits of this answer
These are the least the law allows. Coverage for uninsured drivers is also required and is covered separately.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per accident
$25,000
If you damage property
Someone else's car or property
Your medical bills
Also required
New Jersey requires no-fault coverage too
More details
The full explanation
While you are logged on and available but have not accepted a ride, New Jersey requires at least $50,000 of coverage if you injure one person, $100,000 per accident, and $25,000 for property damage.
New Jersey also requires no-fault coverage during this period - that pays some of your own medical bills regardless of who caused the accident.
Limits of this answer
These are minimums. Coverage for uninsured drivers is also required and is covered separately.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per accident
$25,000
If you damage property
Someone else's car or property
Uninsured drivers
Also required
Combined coverage during this period
Verified in partNorth Carolina raised its general car insurance minimums in July 2025. We have not confirmed whether that changed these rideshare figures, so check before relying on the exact numbers.
More details
The full explanation
While you are logged on and available but have not accepted a ride, North Carolina requires at least $50,000 of coverage if you injure one person, $100,000 per accident, and $25,000 for property damage.
Coverage for uninsured and underinsured drivers is also required during this period.
What could change
North Carolina raised general auto minimums to 50/100/50 effective July 2025; whether the rideshare figures were conformed is unverified.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per incident
$25,000
If you damage property
Someone else's car or property
Before you accept
When this applies
Logged on with no ride yet
More details
The full explanation
While you are logged on and available but have not accepted a ride, Florida requires at least $50,000 of coverage if you injure one person, $100,000 per incident, and $25,000 for property damage.
This pays for harm you cause to other people. It does not fix your own car.
Limits of this answer
These are the least the law allows. The platform may carry more.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per incident
$25,000
If you damage property
Someone else's car or property
Before you accept
When this applies
Logged on with no ride yet
More details
The full explanation
While you are logged on and available but have not accepted a ride, Texas requires at least $50,000 of coverage if you injure one person, $100,000 per incident, and $25,000 for property damage.
This pays for harm you cause to other people. It does not fix your own car.
Limits of this answer
These are the least the law allows. The platform may carry more. A bill has been introduced in Texas that would lower these requirements when no passenger is in the car. It has not passed.
What could change
A bill has been introduced in Texas that would lower these requirements when no passenger is in the car. It has not passed.
Sources
Coverage by period
Coverage
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.
$50K / $100K
If you injure someone
Per person · per incident
$50,000
If you damage property
Twice the usual minimum
Either source
Who provides it
Your insurance, the platform's, or both
More details
The full explanation
While you are logged on and available but have not accepted a ride, South Carolina requires at least $50,000 of coverage if you injure one person, $100,000 per incident, and $50,000 for property damage.
That property damage figure is worth noticing. Most states we cover require $25,000 or $30,000. South Carolina requires twice the common minimum.
The requirement can be met by your own insurance, the platform's, or a combination of both.
Limits of this answer
Coverage for uninsured drivers is also required and is covered separately.
What could change
Low near-term risk.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$60K / $300K
Uninsured / underinsured motorist
$60,000 per person · $300,000 per incident
Passenger aboard
When this applies
From entry until your passenger exits
Platform's duty
Whose obligation
Solely the platform's, not yours
More details
The full explanation
From the moment a passenger enters the vehicle until they exit, California requires uninsured and underinsured motorist coverage of $60,000 per person and $300,000 per incident.
This coverage is primary over any other applicable coverage for uninsured and underinsured drivers and is solely the platform's obligation, not the driver's.
Limits of this answer
The CPUC's own public page still shows the pre-2026 figure of $1,000,000. The statute controls, but a regulator page, law firm article, or platform summary written before 2026 may quote the old number. If someone tells you $1,000,000 in coverage for uninsured and underinsured drivers for a California ride today, check the date on what they are reading.
What could change
SB 371 took effect January 1, 2026 and lowered this from $1,000,000. Re-check whether CPUC has updated its published page.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$100K / $300K
If the other driver can't pay
Per person · per accident
Passenger in the car
When this starts
Not when you accept - when they get in
Read carefully
A real gap
The drive to pick them up is not covered by this
More details
The full explanation
From the moment a passenger enters your vehicle until they get out, Washington requires coverage of $100,000 per person and $300,000 per accident for accidents caused by a driver who has no insurance or not enough of it.
The timing matters and it is easy to get wrong. This coverage is tied to your passenger being in the car - not to accepting the ride. The drive to pick them up is not the same thing.
Limits of this answer
Washington's law is specific about this starting at passenger entry. What covers you between accepting a ride and picking someone up is a separate question we have not resolved.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Coverage by period
Coverage
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.
$1 million
One combined amount
Injuries and property damage together
From acceptance
When this starts
The moment you accept, not at pickup
Through drop-off
When it ends
When your passenger leaves the car
More details
The full explanation
From the moment you accept a ride until your passenger gets out, Washington requires $1,000,000 of coverage for death, injury, and property damage combined - one pot rather than separate limits.
This covers harm you cause to other people. Damage to your own car is a separate question.
Limits of this answer
This is the least the law allows; the platform may carry more.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Coverage by period
Coverage
Once you accept a ride in Minnesota, coverage jumps to $1.5 million - higher than most states, which require $1 million.
$1.5 million
One combined amount
Death, injury and property damage together
From acceptance
When this starts
The moment you accept
Higher than most
How Minnesota compares
Most states require $1 million
More details
The full explanation
From the moment you accept a ride until your passenger gets out, Minnesota requires at least $1,500,000 of coverage for death, injury, or damage to other people's property.
That is a single combined figure rather than separate limits for injuries and property.
Limits of this answer
This covers harm you cause to others. Damage to your own car is a separate question.
What could change
Low near-term risk; amended in 2024.
Sources
Coverage by period
Coverage
Once you accept a trip in New York, coverage rises to $1.25 million for injuries and property damage combined.
$1.25 million
One combined amount
Injuries and property damage together
From acceptance
When this starts
The moment you accept
No deductible
What you pay
The policy cannot carry one
More details
The full explanation
From the moment you accept a trip until it ends, New York requires at least $1,250,000 of coverage for injury, death, or damage to other people's property - one combined figure rather than separate limits.
Two protections come with it. If your own insurance has lapsed or falls short, the platform's policy must cover the claim from the first dollar and provide you a lawyer. And the policy is not allowed to carry a deductible against liability, no-fault, or uninsured-driver coverage.
New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
Limits of this answer
New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
What could change
A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Sources
Coverage by period
Coverage
Once you accept a ride in Connecticut, coverage rises to $1 million for injury, death, or property damage per accident.
$1 million
One combined amount
Injury, death and property damage
From acceptance
When this starts
The moment you accept a ride
Through drop-off
When it ends
When your passenger gets out
More details
The full explanation
From the moment you accept a ride until it ends, Connecticut requires at least $1,000,000 of coverage for injury, death, or damage to other people's property.
Connecticut's law treats the whole ride as one period - driving to the pickup and carrying the passenger are covered the same way.
Limits of this answer
This covers harm you cause to others. Damage to your own car is a separate question.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
Once you accept a ride in New Jersey, coverage rises to $1.5 million, plus $10,000 per person for medical bills.
$1.5 million
One combined amount
Injury, death and property damage
$10,000
Medical payments
Per person
Among the highest
How NJ compares
Most states require $1 million
More details
The full explanation
From the moment you accept a ride until it ends, New Jersey requires at least $1,500,000 of coverage, plus $10,000 per person for medical expenses.
Most states require $1 million during a ride. New Jersey and Minnesota both require $1.5 million.
Limits of this answer
This covers harm you cause to others. Damage to your own car is a separate question.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
Once you accept a ride in North Carolina, coverage rises to $1 million.
$1 million
Pays first for harm to others
During an accepted ride
From acceptance
When this starts
The moment you accept
Through drop-off
When it ends
When your passenger gets out
More details
The full explanation
From the moment you accept a ride until it ends, North Carolina requires at least $1,000,000 of primary commercial coverage.
Limits of this answer
This covers harm you cause to others. Damage to your own car is a separate question.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
Once you accept a ride in Florida, coverage rises to $1 million.
$1 million
Pays first for harm to others
During an accepted ride
From acceptance
When this starts
The moment you accept
Through drop-off
When it ends
When your passenger gets out
More details
The full explanation
From the moment you accept a ride until your passenger gets out, Florida requires at least $1,000,000 of primary coverage for death, injury, and property damage.
This covers harm you cause to other people. Damage to your own car is a separate question.
Limits of this answer
This is the least the law allows; the platform may carry more.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
Once you accept a ride in Texas, coverage rises to $1 million.
$1 million
Pays first for harm to others
During an accepted ride
From acceptance
When this starts
The moment you accept
Through drop-off
When it ends
When your passenger gets out
More details
The full explanation
From the moment you accept a ride until your passenger gets out, Texas requires at least $1,000,000 of primary coverage for death, injury, and property damage.
This covers harm you cause to other people. Damage to your own car is a separate question.
Limits of this answer
This is the least the law allows; the platform may carry more. A bill has been introduced in Texas that would lower these requirements when no passenger is in the car. It has not passed.
What could change
A bill has been introduced in Texas that would lower these requirements when no passenger is in the car. It has not passed.
Sources
Coverage by period
Coverage
Once you accept a ride in South Carolina, coverage rises to $1 million.
$1 million
Pays first for harm to others
During an accepted ride
Either source
Who provides it
Your insurance, the platform's, or both
More details
The full explanation
From the moment you accept a ride until it ends, South Carolina requires at least $1,000,000 of primary coverage for death, injury, and property damage.
Limits of this answer
This covers harm you cause to others. Damage to your own car is a separate question.
What could change
Low near-term risk.
Sources
Injury coverage
Injury coverage
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.
$1 million
For your injuries
Per incident, at no cost to you
Free to you
Who pays
The platform, not you
Includes drop-off
When it applies
Through the moment your passenger gets out
More details
The full explanation
This is unusual and most states do not have it. While you are on a ride, Minnesota requires the platform to carry at least $1,000,000 of insurance covering injuries to you, paid for by the platform.
It covers medical bills, lost income if you cannot work, funeral costs, the cost of paying someone to do things you can no longer do, and payments to your family if you die. It also covers injuries at the drop-off location right after a ride ends.
The platform may fund this out of fares, but it may not bill you for it or cut your pay to cover it.
This is separate from the $1.5 million liability coverage. That one protects other people. This one protects you.
Limits of this answer
This applies from when you accept a ride through drop-off. Injuries while you are logged on but have not accepted anything are not covered by this provision. The benefit rules points at Minnesota's no-fault law, which we have not read in full.
What could change
Low near-term risk; amended in 2024.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$1.25 million
If the other driver can't pay
For one or more people in one accident
Mandatory
Not optional
Unlike most uninsured-driver coverage in New York
During a trip
When it applies
From acceptance through drop-off
More details
The full explanation
New York requires $1,250,000 of coverage for accidents caused by someone with no insurance or not enough of it, throughout any trip you have accepted.
What makes this notable: New York normally treats this kind of coverage as something an insurer must offer and you may decline. For rideshare trips it is required outright.
New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
Limits of this answer
A bill has been introduced that would remove this requirement and replace it with a much smaller one. It has not passed. New York's rideshare insurance law only covers trips that BEGIN outside New York City. A trip starting in the city runs under different rules set by the Taxi and Limousine Commission, which we have not researched. If your trip started outside the city and ended inside it, this still applies to you.
What could change
A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$1.5 million
If the other driver can't pay
During an accepted ride
Both kinds
No insurance and not enough
Both are covered
Watch this
A bill is pending
It would lower this amount
More details
The full explanation
While you are on an accepted ride, New Jersey requires $1,500,000 of coverage for accidents caused by someone with no insurance, or with insurance that does not cover what they owe you.
That is among the highest such requirements we have found.
Limits of this answer
A bill has been introduced in New Jersey that would lower this requirement. It has not passed, and until it does this figure stands.
What could change
NJ S472 would lower the uninsured-driver minimum. Verified as active in committee, not enacted.
Sources
Coverage by period
Coverage
Amazon's free insurance does not cover Amazon Flex drivers in New York. Amazon says you may need to buy commercial coverage yourself.
Not covered
In New York
Amazon's insurance does not apply
May need your own
What Amazon says
Additional commercial insurance
Ask your insurer
What Amazon advises
Check what you actually need
More details
The full explanation
Amazon's driver FAQ says that because of local rules, the commercial car insurance it provides to delivery partners does not apply to drivers in New York.
Amazon says that if you live in New York you may need additional commercial insurance to meet state law, and directs you to check with your insurance company.
That is the full extent of what Amazon says. We are not going to guess at which rules cause this or what coverage you would need.
Limits of this answer
Amazon attributes this to local rules without saying which. We have not verified what a New York Amazon Flex driver actually needs to carry. Amazon's own wording is 'may need', not 'must carry', and we have kept it that way.
What could change
Platform policy - can change without legislative action.
Sources
Damage to your car
Coverage
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.
Nothing
For your own car
In any situation, in New York
New York only
Where this applies
Uber names the state specifically
Your own policy
What is left
And it may exclude delivery work
More details
The full explanation
Uber's own insurance page says plainly that it does not provide coverage for damage to delivery drivers' vehicles on Uber Eats trips in New York, in any instance.
Everywhere else, Uber offers coverage for your own car if you already carry comprehensive and collision yourself. In New York, Uber says that is not available for Uber Eats deliveries at all.
That leaves your own policy - which may itself exclude delivery driving. Worth asking your insurer about delivery specifically.
Limits of this answer
This is what Uber says about New York. We have not researched why New York is treated differently, or what a New York delivery driver would need to carry instead.
What could change
Platform policy - can change without legislative action.
Sources
Claim process
Coverage
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.
12 hours
Either side
Before and after the accident
Required
Not optional
The law makes them exchange it
Why it matters
App status decides
Which insurance applies at all
More details
The full explanation
Which insurance covers a rideshare accident depends on what your app was doing at the moment it happened. That data sits with the platform.
South Carolina requires the platform and any insurer that might be covering the claim to cooperate and exchange that information during a coverage investigation - including your precise log-on and log-off times for the twelve hours before and the twelve hours after the accident.
They must also tell each other clearly what coverage, exclusions and limits apply.
Limits of this answer
This is a duty between the platform and the insurers. We have not confirmed what you are entitled to receive directly, or how to ask for it.
What could change
Low near-term risk.
Sources
Coverage by period
Coverage
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.
Where it started
What decides
Not where the accident happened
Outside the city
Who this covers
Trips beginning anywhere but NYC
Different rules
Inside the city
The Taxi and Limousine Commission handles those
More details
The full explanation
Before any of New York's numbers make sense, you need to know which set of rules you are under.
New York's rideshare insurance law covers trips that begin outside New York City. If you pick someone up outside the city and drop them off inside it, you are still under this law - the state's own insurance regulator says so directly.
A trip that begins in New York City is a different matter. Those run under rules set by the Taxi and Limousine Commission, a separate system we have not researched.
So crossing into the city partway through a trip does not change which insurance applies. Where the trip started does.
Limits of this answer
If your trip started in New York City, none of our New York figures apply to it, and we have not researched what does. Counties and cities elsewhere in the state can also opt out of this law entirely.
What could change
A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Sources
Injury coverage
Injury coverage
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.
No-fault
Pays regardless
Of who caused the accident
All periods
When this applies
Logged on, driving to pickup, and with a passenger
Your bills
What it covers
Medical costs and lost income, up to a limit
Verified in partWe have not detailed the benefit amounts or how long they last. Those come from Minnesota's no-fault law, which we have not read in full.
More details
The full explanation
Minnesota is a no-fault state, and that carries into rideshare driving. Throughout every period, the required insurance must include no-fault benefits - coverage that pays some of your own medical costs and lost income without anyone first establishing who was at fault.
This is separate from liability coverage, which pays other people.
What could change
Low near-term risk; amended in 2024.
Sources
Personal policy exclusions
Personal policy exclusions
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.
All of it
What can be excluded
Liability, medical, uninsured driver, and damage to your car
Allowed
By state law
Washington permits this expressly
Your policy decides
Whether yours does
Permission is not the same as your insurer using it
More details
The full explanation
Washington law expressly allows your personal car insurance to stop covering you the moment you log into a rideshare app. The exclusion can reach everything: harm you cause to others, your own medical bills, coverage for uninsured drivers, and damage to your own car.
That is permission for insurers, not a statement about your policy. Whether yours actually excludes you depends on what it says. Some insurers sell an add-on that closes the gap - worth asking about before you need it.
Limits of this answer
We have not read any particular insurer's policy, so we cannot tell you whether yours uses this permission. Your declarations page and your insurer can.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Personal policy exclusions
Personal policy exclusions
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.
In writing
The app must warn you
Before you start driving
Might not
What the warning says
Not that you are uncovered - that you might be
Car loan?
A second warning
Driving commercially can break your loan terms
More details
The full explanation
Separately from what your insurer is allowed to do, Washington requires the app itself to warn you. Its terms of service must say that while you are on the network your personal policy might not cover injuries you cause, your medical bills, damage to your own car, or accidents with uninsured drivers. You acknowledge it electronically or by signature.
There is a second warning for anyone still paying off their car: using it commercially may break the terms of your loan or lease, and you are expected to tell your lender.
The warning says your policy might not cover you. It is not a statement that it doesn't - that depends on your policy.
Limits of this answer
We have summarised the required warning rather than quoting it word for word. The exact wording is in the statute.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Personal policy exclusions
Personal policy exclusions
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.
Everything
What can be excluded
Injuries, medical, uninsured driver, and your car
No deductible
If your policy lapsed
The platform's insurance pays from dollar one
No waiting
For a denial
The platform cannot make you get refused first
More details
The full explanation
Minnesota law expressly allows your personal car insurance to exclude everything while you are logged on - harm you cause to others, no-fault benefits, uninsured driver coverage, medical payments, and damage to your own car. The law says this applies even though Minnesota is a no-fault state.
Two rules work the other way, and they are worth knowing. If your own insurance has lapsed or falls short of what the law requires, the platform's insurance must cover the claim from the first dollar, with no deductible, and must provide you a lawyer. And the platform's insurance is not allowed to sit back and wait for your own insurer to deny you first.
The platform must also tell you in writing, before your first ride, what coverage it provides and how much.
Limits of this answer
The law permits your insurer to exclude you; it does not mean yours has. Check your own policy, and ask whether an add-on for rideshare driving is available.
What could change
Low near-term risk; amended in 2024.
Sources
Personal policy exclusions
Personal policy exclusions
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.
Allowed
For your insurer to exclude
While logged on or on a ride
Your policy decides
Whether yours does
Permission is not the same as using it
Car loan?
A second risk
Commercial use can breach your loan or lease
More details
The full explanation
Connecticut expressly allows your personal car insurance to exclude coverage while you are logged onto the app or carrying a passenger.
There is a second exposure worth knowing if you are still paying off your car. Using it commercially may violate the terms of your loan or lease, and Connecticut requires drivers to be warned about that. It is separate from the insurance question and easy to overlook.
The law permits insurers to exclude you; it does not mean yours does. Check your policy, and ask whether a rideshare add-on is available.
Limits of this answer
We have not read any particular insurer's policy, so we cannot tell you whether yours uses this permission.
What could change
Low near-term risk.
Sources
Personal policy exclusions
Personal policy exclusions
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.
Everything
What can be excluded
All six kinds of coverage
In the statute
Where it says so
Not just policy fine print
Ask about an add-on
What helps
Some insurers sell rideshare coverage
More details
The full explanation
Most states let insurers exclude rideshare driving through policy wording. North Carolina puts it directly in the statute: an insurer may exclude liability coverage, no-fault benefits, uninsured and underinsured motorist coverage, medical payments, comprehensive, and collision while you are driving for a platform.
That is worth knowing because it means the gap is not an oversight or a technicality. It is the expected arrangement, and closing it is up to you.
Ask your insurer whether they sell a rideshare add-on, and ask before you need it.
Limits of this answer
The law permits the exclusion; whether your particular policy uses it depends on your policy.
What could change
Low near-term risk.
Sources
Personal policy exclusions
Personal policy exclusions
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.
Everything
What can be excluded
All coverage under your policy
No lawyer either
What else you lose
No duty to defend the claim
Ask about an add-on
What helps
Before you need it
More details
The full explanation
South Carolina allows any insurer writing car insurance in the state to exclude all coverage for a loss while you are logged onto a rideshare app or carrying a passenger.
The law goes further than most. An insurer that excludes you this way also has no duty to defend or pay the claim the claim - so it is not only that they may decline to pay, they may decline to provide you a lawyer.
The law permits this; whether your policy does it depends on your policy. Ask about a rideshare add-on before you need one.
Limits of this answer
We have not read any particular insurer's policy language.
What could change
Low near-term risk.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$25K / $50K
Minimum for each
Per person · per accident
Two separate covers
Not one
No insurance, and not enough insurance
Capped
How high it can go
An insurer need not offer more than your liability limit
More details
The full explanation
Minnesota treats these as two different things. One covers you when the driver who hit you has no insurance at all. The other covers you when they have insurance but not enough to pay what they owe you.
Each must be at least $25,000 for one person and $50,000 per accident. If several people are hurt, no one person can collect more than the single-person limit.
One more point worth knowing: Minnesota does not require an insurer to offer you more of this coverage than the liability limit on the same policy. Ask your insurer what higher amounts are available to you.
Limits of this answer
These are minimums. Your own policy or the platform's may carry more, and the platform must tell you in writing what it provides before your first ride.
What could change
Low near-term risk; amended in 2024.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$25K / $50K
If the other driver can't pay
Per person · per accident
Both required
No insurance and not enough
Connecticut requires both kinds
Injuries only
What it covers
Not damage to property
More details
The full explanation
Connecticut requires coverage for accidents caused by someone with no insurance, and separately for someone whose insurance is not enough to cover what they owe you. Both apply whether you are waiting for a ride or on one.
The minimum is $25,000 for one person and $50,000 per accident. This covers injuries, not property damage.
Connecticut is one of the states that requires the not-enough-insurance version, which many states only require insurers to offer.
Limits of this answer
These are minimums; your policy or the platform's may carry more.
What could change
Low near-term risk.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
$25K / $50K
No insurance at all
Required · per person, per accident
Your choice
Not enough insurance
Offered to you, not required
Check yours
Which you have
Look at your declarations page
More details
The full explanation
South Carolina treats these two situations differently, and the difference matters.
If the driver who hits you has no insurance at all, you are required to have coverage for that - at least $25,000 per person, $50,000 per accident, and $25,000 for property damage.
If they have insurance but not enough to cover what they owe you, that is a different coverage. South Carolina requires insurers to offer it to you, but you decide whether to buy it. The rideshare law does not require it.
So whether you have that second kind depends on whether someone bought it. Check your declarations page.
Limits of this answer
Whether you have coverage for the not-enough-insurance situation depends on whether it was purchased. We cannot tell you from the law alone.
What could change
Low near-term risk.
Sources
Your policy
Coverage
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.
Two policies
Possible
One for waiting, one for trips
Your dec page
Where to check
It must say which periods it covers
Worth checking
Why it matters
A gap between them is a gap in your coverage
More details
The full explanation
New York allows the required rideshare coverage to be split between two separate insurance policies - one covering the time you are logged on and waiting, another covering accepted trips.
Because of that, New York requires every such policy to state plainly on its declarations page which periods it covers.
If you drive in New York, that is worth reading. If one policy covers waiting and another covers trips, you want to be sure there is no gap between them.
Limits of this answer
We have not researched how commonly coverage is actually split this way, only that the rules allow it and require the policy to say so.
What could change
A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Sources
Your policy
Coverage
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.
No deductible
If your policy lapsed
The platform pays from dollar one
No waiting
For a refusal
It cannot require your insurer to deny first
A lawyer
What else
The platform's insurer must defend the claim
More details
The full explanation
Connecticut closes a gap that catches drivers in other states.
If your own insurance has lapsed, or does not provide what the law requires, the platform's policy must cover the claim starting from the first dollar - no deductible. And the platform's insurer must provide you a lawyer.
It also cannot make you get refused by your own insurer first before it will respond. That waiting game is a real problem elsewhere; Connecticut rules it out.
Limits of this answer
This applies to the coverage Connecticut requires. It does not extend to coverage for damage to your own car, which the law does not require the platform to provide.
What could change
Low near-term risk.
Sources
Your policy
Coverage
If your own insurance has lapsed, New Jersey requires the platform's insurance to pay from the first dollar.
No deductible
If your policy lapsed
The platform pays from dollar one
Protects you
Why it matters
A lapse would otherwise leave you exposed
More details
The full explanation
If your own insurance has lapsed, the platform's coverage must respond starting from the first dollar rather than sitting behind a gap your policy would normally fill.
That matters because a lapse is exactly the moment a driver is most exposed.
Limits of this answer
This applies to the coverage New Jersey requires. It does not extend to damage to your own car.
What could change
Low near-term risk.
Sources
Personal policy exclusions
Personal policy exclusions
If anyone but you is driving when an accident happens, Amazon says the claim will be denied. Not reduced - denied.
Denied
Not reduced
If someone else was driving
Only you
Who can drive
The registered delivery partner
Renting or borrowing?
Check first
Amazon says you need the required coverage
More details
The full explanation
Worth knowing before it matters rather than after.
Amazon's FAQ says that if anyone other than the Amazon Flex delivery partner is driving when an accident occurs, the claim for any losses will be denied.
If you are renting or borrowing a car to deliver, Amazon says you need to make sure you have the required coverage yourself.
Limits of this answer
Amazon does not say what happens if a second registered delivery partner is driving, or how it verifies who was driving. It also does not say whether your own policy would respond in that situation.
What could change
Platform policy - can change without any law changing.
Sources
Damage to your car
Coverage
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.
Nothing
From DoorDash
For damage to your own car
Your policy
Who handles it
Subject to your policy's terms
Check first
A real risk
Personal policies may exclude delivery work
More details
The full explanation
DoorDash's insurance does not cover damage to your own vehicle. DoorDash's own page says those damages are your responsibility and should go to your own insurer, subject to what your policy covers.
This is different from Uber and Lyft, which do offer something for your own car - though only if you already carry comprehensive and collision, and with a $2,500 deductible.
DoorDash also warns on the same page that a personal policy may not cover you while you are delivering. So this is not a case where the platform declines and your own insurer picks it up. Whether you are covered depends on your policy.
Limits of this answer
Whether your own policy covers delivery driving depends on your policy. Ask your insurer about delivery specifically - not just rideshare.
What could change
Platform policy - can change without any law changing.
Sources
Personal policy exclusions
Personal policy exclusions
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.
May not cover you
A rideshare add-on
Delivery is not the same as rideshare
Before, not during
DoorDash's own example
Covered while waiting, not while delivering
Ask specifically
What to say
Use the word delivery, not rideshare
Verified in partWhether DoorDash's coverage sits before or after your own policy is not stated for the states we cover, and we have not resolved it.
More details
The full explanation
If you bought a rideshare add-on for your personal policy, do not assume it covers delivery.
DoorDash warns on its own site that such an add-on may not provide complete coverage while you deliver. Its example: the add-on might cover damage to your vehicle before you accept an order, but not during an active delivery.
When you call your insurer, ask about delivery specifically. Asking about rideshare may get you an answer that does not apply.
What could change
Platform policy - can change without any law changing.
Sources
Deductible
Deductible
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.
$2,500
What you pay first
Before the platform pays anything
Both platforms
Uber and Lyft
The same amount at each
Set by them
Not by any law
They can change it
More details
The full explanation
Both Uber and Lyft apply a $2,500 deductible to coverage for damage to your own car.
So if your car takes $4,000 of damage on a covered trip, you pay $2,500 and the platform covers the rest.
That figure is set by the platforms themselves, not by any state.
Limits of this answer
Lyft publishes different arrangements in Arizona, Nebraska and Maryland. If you drive there, check Lyft's own page.
What could change
Platform policy - can change without any law changing.
Sources
Personal policy exclusions
Personal policy exclusions
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.
You must already have it
Comp and collision
On your own personal policy
Nothing
If you carry liability only
The platform's coverage never starts
Ask about an add-on
What closes the gap
Some insurers sell rideshare coverage
More details
The full explanation
This catches more drivers than anything else on this site.
The platforms' coverage for damage to your own car sits on top of your personal policy. It only exists if you already carry comprehensive and collision yourself. If you carry liability only, there is nothing to sit on top of - the platform's coverage never starts.
Separately, most personal policies exclude driving with the app on at all. Some insurers sell an add-on that covers it, and it has to be bought before a loss.
Limits of this answer
Whether your own policy excludes app-on driving depends on your policy. Several states write that permission directly into law.
What could change
Platform policy - can change without any law changing.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
Not required
By the state statute
Public Utilities Code 5433 imposes none for this period
Unresolved
Whether you have any
Depends on your policy and the platform's terms
Ask
Your own insurer
The only way to know what you carry
We found no state rule on this point.That is not the same as no rule applying. Your policy or other laws may still matter.
More details
The full explanation
California's rideshare insurance statute does not require uninsured or underinsured motorist coverage while you are logged on without an accepted ride, in the sources we checked. That is not the same as confirming you have none - your own policy or the platform's own terms may provide it. Ask your insurer what you carry.
What could change
SB 371 amended Pub. Util. Code 5433 effective January 1, 2026.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
Not required
By the state statute
Public Utilities Code 5433 imposes none for this period
Unresolved
Whether you have any
Depends on your policy and the platform's terms
Ask
Your own insurer
The only way to know what you carry
We found no state rule on this point.That is not the same as no rule applying. Your policy or other laws may still matter.
More details
The full explanation
California's rideshare insurance statute does not require uninsured or underinsured motorist coverage while you are driving to a pickup, in the sources we checked. That is not the same as confirming you have none - your own policy or the platform's own terms may provide it. Ask your insurer what you carry.
What could change
SB 371 amended Pub. Util. Code 5433 effective January 1, 2026.
Sources
Deductible
Deductible
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.
Not the state
Who sets it
The platform decides this amount
$2,500
What Uber and Lyft charge
For damage to your own car
Can change
Without a vote
No legislature has to approve it
We found no state rule on this point.That is not the same as no rule applying. Your policy or other laws may still matter.
More details
The full explanation
Florida's rideshare insurance law does not set the deductible for damage to your own car - the platform does. We checked that law specifically; we have not checked every other insurance rule in the state.
What could change
Low near-term risk.
Sources
Deductible
Deductible
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.
Not the state
Who sets it
The platform decides this amount
$2,500
What Uber and Lyft charge
For damage to your own car
Can change
Without a vote
No legislature has to approve it
We found no state rule on this point.That is not the same as no rule applying. Your policy or other laws may still matter.
More details
The full explanation
Texas's rideshare insurance law does not set the deductible for damage to your own car - the platform does. We checked that law specifically; we have not checked every other insurance rule in the state.
What could change
Low near-term risk.
Sources
Uninsured and underinsured motorist
Uninsured motorist
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.
Required
But not a set amount
The law points at other laws instead of naming a figure
Can be declined
In writing
Washington lets people turn down some of this coverage
Ask
Your own insurer
The only way to find out what you actually have
What we haven’t confirmed yetWe could not work out how much of this coverage an individual driver ends up with. The law that sets it lets people decline parts of it in writing, and we have not traced how that works for a rideshare policy or who counts as the policyholder for that purpose. Ask your insurer directly rather than assuming you are covered.
More details
The full explanation
Washington requires coverage for uninsured drivers and for your own medical bills while you are logged on, but the law does not set an amount - it depends on your policy and on whether any of it was declined in writing. Ask your insurer what you actually have.
What could change
Chapter 46.72B was amended in 2025; re-check periodically.
Sources
Coverage by period
Coverage
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.
$1 million
If you injure someone or damage property
During an accepted ride, in Portland
$1 million
If the other driver can't pay
Stronger than most states
Portland only
What we verified
We have not checked the rest of Oregon
What we haven’t confirmed yetWe have not confirmed what applies outside Portland, or what covers you while you are logged on but have not accepted a ride. If you drive in Oregon outside Portland, we cannot tell you your requirements yet.
More details
The full explanation
We have verified Portland's requirements from the city's own code. We have not confirmed what applies elsewhere in Oregon, or what covers you while logged on and waiting - so we are not going to guess at either.
What could change
Oregon's regulatory approach may have changed; re-check for a statewide statute.
Sources
Coverage by period
Coverage
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.
Passengers only
What the law covers
Trips carrying a rider
Not delivery
What falls outside
Food and grocery orders
Unresolved
What covers delivery
We have not researched this
What we haven’t confirmed yetThis tells you Minnesota's rideshare law does not govern delivery. It does not tell you that delivery is unregulated, that no coverage is required, or that only the platform's own insurance applies. Those are separate questions we have not answered.
More details
The full explanation
Minnesota's rideshare insurance law covers trips carrying a passenger, so delivery work falls outside it. That does not mean delivery is unregulated or that you have no coverage - it means this particular law is not where the answer lives, and we have not found where it does.
What could change
Low near-term risk; amended in 2024.
Sources
Coverage by period
Coverage
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.
After you accept
When it starts
Not while you wait for offers
No figure published
How much
DoorDash does not say for our states
Your insurance first
Before you accept
DoorDash says yours is primary
What we haven’t confirmed yetDoorDash publishes figures for Boston, North Dakota, Indiana, Kentucky and West Virginia. None of the states we cover is among them, and the general section gives no amount. A widely repeated $1,000,000 figure comes from DoorDash's marketing page rather than the state-specific terms.
More details
The full explanation
DoorDash covers you once you have accepted an order, through delivery. While you are online waiting, DoorDash says your own insurance is primary. DoorDash does not publish a coverage amount for the states we cover, so we are not showing one.
What could change
Platform policy - can change without any law changing.
Sources
Coverage by period
Coverage
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.
Same structure
As Uber rideshare
Described on the same page
Varies by state
Uber's own caveat
The amounts are not the same everywhere
New York
The one we verified
See the New York exclusion
What we haven’t confirmed yetUber states that coverages and limits vary by state. We have verified the New York delivery exclusion and have not verified how this applies in the other ten states we cover.
More details
The full explanation
Uber describes Uber Eats coverage on the same page as rideshare, but says the amounts vary by state. We have verified the New York exclusion and have not yet verified the other states we cover.
What could change
Platform policy - can change without any law changing.
Sources
Coverage by period
Coverage
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.
Free
What it costs you
Amazon pays for it
Three kinds
What it covers
Others, uninsured drivers, and your own car
No amounts published
What we could not verify
Amazon does not say how much
What we haven’t confirmed yetAmazon names the kinds of coverage but publishes no dollar limits, no deductible, and no insurer. A $1,000,000 liability figure, a $50,000 vehicle-damage figure, a $1,000 deductible and a named carrier all circulate without support from anything Amazon publishes.
More details
The full explanation
Amazon provides free commercial car insurance to delivery partners in every state except New York, covering harm to others, uninsured drivers, and damage to your own car. Amazon does not publish the amounts or the deductible, so we are not showing any.
What could change
Platform policy - can change without any law changing.
Sources
Coverage by period
Coverage
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.
Actively delivering
Amazon's exact words
We are not going to reword it
Undefined
What it includes
Amazon does not say
The gap
What is unclear
Driving to the station, gaps between stops
What we haven’t confirmed yetAmazon does not define the phrase. Whether it begins at block start, station check-in, first package scan, or departure is unknown, as is whether it ends at last delivery, block end, or return of undelivered packages.
More details
The full explanation
Amazon says its coverage applies only while you are 'actively delivering during the delivery block.' Amazon does not define what that includes, so we cannot tell you whether the drive to the station or the time between stops is covered.
What could change
Platform policy - can change without any law changing.
Sources
Injury coverage
Injury coverage
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.
Automatic
No signup needed
You already have it
Free
What it costs you
No premium, no deductible
Amount unknown
What we could not verify
DoorDash does not publish the benefit figures
What we haven’t confirmed yetWe have not confirmed the benefit amounts or caps from DoorDash's own policy documents. Figures circulating elsewhere are not something we can stand behind.
More details
The full explanation
DoorDash automatically provides injury coverage for you while delivering, at no cost. We have not confirmed the benefit amounts, so we are not showing figures.
What could change
Platform policy - can change without any law changing.
Sources
Coverage by period
Coverage
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.
Yours
Whose insurance
Instacart says you must carry your own
Claims accepted
What we confirmed
Instacart has an auto claim form
Unverified
What Instacart provides
We could not confirm any figure
What we haven’t confirmed yetWe could not confirm any coverage amount, what triggers Instacart's coverage, its terms, or whether it protects you rather than Instacart. Different accounts of this contradict each other and none of them come from Instacart, so we are not showing figures.
More details
The full explanation
Instacart says shoppers are responsible for their own auto liability insurance, and it accepts auto claims. What coverage Instacart itself provides, when it applies, and whether it protects you are unverified - so we are not showing figures.
What could change
Platform policy - can change without any law changing.
Sources