Injury coverage
NationwideDoorDashDriving to pick up the order · Order in the car
DoorDash's Dasher Central says occupational accident coverage is automatic for US Dashers: no sign-up, no premiums, no deductible.
It may include medical expense coverage up to $1,000,000, disability payments equal to 50% of your average weekly earnings capped at $500 per week, and survivor's benefits. DoorDash says California Dashers' benefits may differ, and points you to your schedule of benefits.
The window matters: this applies during an active delivery, from accepting the offer through drop-off. Logged on and waiting for an offer is not the same thing.
This is injury coverage. It does not pay for damage to your own vehicle, and it is not workers' compensation.
Limits of this answer
What we have not checked: DoorDash says California benefits may differ but does not say how. We have not read the schedule of benefits itself, so waiting periods, exclusions and how long disability payments run are unverified. DoorDash's own help centre directs occupational accident claims to Blue Star Claims; that is DoorDash's administrator and we have found no evidence it administers Uber or Lyft programmes.
What could change: Benefit amounts and administrators change. Check your schedule of benefits.
Injury coverage
NationwideInstacart
Instacart provides occupational accident insurance for shoppers. Its 2026 annual filing confirms the company procures this coverage, so the programme is current.
The published benefit figures are older. Instacart's 2019 and 2021 announcements describe coverage for all US full-service shoppers, free of charge, including up to $1 million for medical expenses plus disability payments and survivor's benefits for eligible dependents. We have not found a current benefit document restating those amounts, so treat them as what Instacart published then rather than a verified current schedule.
Instacart's older announcement said in-store shoppers had workers' compensation coverage. Its 2026 filing says in-store shoppers were used only through Q3 2024; that historical statement does not establish current coverage for in-store shoppers.
This is injury coverage for you. It is not auto liability coverage and does not pay for damage to your own vehicle.
Limits of this answer
What we have not checked: Two different things are sourced differently here. That Instacart procures occupational accident insurance for shoppers is corroborated by its 2026 annual filing. The specific schedule - $1,000,000 medical, disability payments, survivor's benefits - comes from Instacart's own announcements in 2019 and 2021, and we have NOT found a newer primary benefit document restating those amounts. Treat the figures as historically published rather than currently verified. We have also not verified the disability rate, what counts as a covered injury, when cover starts and stops within a batch, or how to file.
What could change: The benefit schedule is sourced to announcements several years old. The programme is current; the amounts may not be. Re-check before relying on the figures.
Injury coverage
41 states + DCUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car
Optional Injury Protection is something you buy, not something you get. Uber's page names where it is offered.
Of the states ClaimedUp covers, it is listed for Arizona, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington. It is not listed for California, Connecticut, Minnesota or New York.
Not being on that list does not mean you have no injury protection. California and Minnesota have automatic no-cost occupational accident cover through the platforms, New York has the Black Car Fund, and Washington has state-required workers' compensation for rideshare. Those are separate systems with their own rules, and they are covered separately here.
Massachusetts is on the OIP list and also has its own automatic system: Uber provides automatic Occupational Accident coverage for Rides activity there. The two interact rather than substitute for each other - see the Massachusetts-specific rows for how.
Uber prices Optional Injury Protection at $0.024 per mile, or $0.022 per mile in Washington, and says the rate is subject to change. That is a different product from Vehicle Interruption Coverage, which is about your car rather than your body.
Limits of this answer
What we have not checked: Availability changes. If you cannot find the option in your Driver app in a listed state, ask Uber.
What could change: Uber states the rate is subject to change, and availability by state changes too. Do not conflate this with Vehicle Interruption Coverage, priced separately.
Injury coverage
41 states + DCUberOnline, waiting for a request · Driving to pick up a passenger · Passenger in the car
Optional Injury Protection is purchased, not automatic. Once you've enrolled and coverage applies, it pays accident medical expenses up to $1,000,000 with no deductible or copay, and temporary or continuous total disability up to $500 a week. It also includes accidental death, survivor and dismemberment benefits, subject to the policy's limits and terms. Uber's page lists separate maximums for each; the policy governs.
Coverage applies while you're online and available for requests, while you're en route to a pickup or delivery, and while you're on a trip. It doesn't apply while driving for personal reasons or for another company.
Uber's current claim instructions say to notify the insurance carrier within 20 days of the injury - that's Uber's own claim-filing instruction, not a universal legal deadline.
Limits of this answer
What we have not checked: Uber lists separate maximums for accidental death, survivor and dismemberment benefits; we have not reproduced them here. For complete details, the actual policy governs over this summary.
What could change: Uber states benefit amounts, rates, and availability are subject to change, and the actual policy governs if there's a conflict with this summary.