Coverage
Coverage by period
New YorkAmazon Flex
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
What we have not checked: 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.
Coverage by period
New YorkUber & Lyft
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
What we have not checked: 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.
Separately, Lyft says it does not provide its usual insurance for licensed for-hire drivers on rides starting in the five New York City boroughs or in Westchester, Nassau, Suffolk, Dutchess, Ulster and Rockland counties. Those drivers arrange their own coverage under state and local rules. So the boundary that matters for Lyft is wider than the city line.
What could change: A bill to remove the $1.25M uninsured-driver requirement has been introduced and not enacted.
Coverage by period
New YorkUber & LyftOnline, waiting for a request
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
What we have not checked: 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.
Coverage by period
New YorkUber & LyftDriving to pick up a passenger · Passenger in the car
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
What we have not checked: 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.
Coverage by period
NationwideDoorDashDriving to pick up the order · Order in the car
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
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.
Limits of this answer
What we have not checked: DoorDash's 'All Other US States' section gives no coverage amount. A widely repeated $1,000,000 figure comes from DoorDash's marketing page rather than the state-specific terms.
What could change: Platform policy - can change without any law changing.
Coverage by period
Instacart
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
Instacart accepts auto-liability claims and carries insurance for certain auto-liability exposures. Its public materials do not establish a general benefit that repairs a shopper’s own vehicle.
Limits of this answer
What we have not checked: The public materials reviewed do not establish a general shopper vehicle-damage benefit or publish policy limits, deductibles, trigger periods or guaranteed benefits. A submitted auto-liability claim does not guarantee payment.
What could change: Platform policy - can change without any law changing.
Coverage by period
Uber & LyftApp off
When the app is off, you are an ordinary private driver.
Uber says your personal auto insurance applies while you are offline. Lyft says it has no policy that applies when the app is off, and directs you to your personal insurer.
That does not mean your insurer will pay. Your own policy's terms and exclusions still decide the claim.
This is about a car you own. If you drive a Lyft Express Drive rental, that is separate: the standard insurance in your rental agreement applies.
Limits of this answer
What we have not checked: Whether your personal insurer pays depends on your policy's terms and exclusions. We have not reviewed individual personal policies.
What could change: Platform policy - can change without any law changing.
Deductible
Deductible
NationwideUber & LyftDriving to pick up a passenger · Passenger in the car
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
What we have not checked: Lyft publishes a different liability-limit structure in Arizona (a $250,000 combined single-limit figure while en route to pickup) - see Arizona's own liability rows for that. Its contingent comprehensive/collision deductible in Arizona is the same $2,500 described here. Lyft also publishes different liability limits in Nebraska (while waiting for a request) and Maryland (while en route to pickup - see Maryland's own rows); those are liability limits, not changes to the $2,500 deductible described here.
What could change: Platform policy - can change without any law changing.
Deductible
Uber & LyftDriving to pick up a passenger · Passenger in the car
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
A deductible is the portion of a covered loss the insured bears before benefits become payable. Uber and Lyft list a $2,500 deductible for ordinary qualifying contingent comprehensive and collision coverage. Personal comprehensive and collision, a qualifying app period, and other policy terms remain necessary. Uber lists a Vehicle Marketplace exception to its ordinary deductible. If the final covered damage is no greater than the applicable deductible, that physical-damage coverage ordinarily pays nothing. An initial estimate may change after supplements, hidden damage or total-loss valuation. This does not decide fault, a separate liability claim, whether to repair or whether to submit a claim.
Limits of this answer
What we have not checked: The applicable deductible and final covered-loss amount depend on policy and claim facts. Uber’s Vehicle Marketplace exception means $2,500 is not universal.
What could change: Platform terms and individual policy coverage may change.
Personal policy exclusions
Personal policy exclusions
NationwideUber & Lyft
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
What we have not checked: 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.
Personal policy exclusions
DoorDash
Verified in part. One element of this answer has not been re-checked. See the notes.
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.
Limits of this answer
What we have not checked: Whether DoorDash's coverage sits before or after your own policy is not stated for the states we cover, and we have not resolved it.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
Uber
Uber requires drivers to carry personal auto insurance at their state's mandatory minimum limits.
Uber says additional rideshare insurance is not required to sign up to drive. It also says rideshare-specific endorsements may be available from insurers for additional protection.
Not required to sign up is not the same as covered: your personal policy may still exclude driving with the app on.
Limits of this answer
What we have not checked: Whether your own insurer sells a rideshare endorsement, and what it covers, depends on the insurer and your state.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
Lyft
Lyft requires drivers to carry personal auto insurance that meets their state's minimum coverage requirements.
Lyft also warns that most personal policies will not cover rideshare activity, and tells drivers to consider a rideshare policy or endorsement for more complete coverage.
Limits of this answer
What we have not checked: Whether your own insurer sells a rideshare policy or endorsement, and what it covers, depends on the insurer and your state.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
DoorDash
DoorDash requires vehicle Dashers to keep valid personal auto insurance meeting applicable state minimums. It says it does not require a separate special or commercial policy just to dash. Many personal policies may exclude delivery activity; a policy covering delivery or a commercial auto policy may protect the Dasher’s own vehicle, depending on its terms. A rideshare endorsement may not cover active delivery. DoorDash-maintained auto coverage is primarily third-party liability and does not repair the Dasher’s own car. In its All Other US States category, DoorDash liability begins after an order is accepted; while online and waiting, personal auto insurance is primary. Separate terms apply in Boston, North Dakota, Indiana, Kentucky and West Virginia.
Limits of this answer
What we have not checked: The individual personal policy may exclude delivery. State insurance rules and DoorDash’s separate Boston, ND, IN, KY and WV terms are not replaced by this national answer.
What could change: Platform terms and individual policy coverage may change.
Damage to your car
Damage to your car
New YorkUber Eats
Uber's insurance page says plainly that it does not provide comprehensive or collision coverage for delivery drivers' vehicles on Uber Eats trips in New York, in any instance.
Uber's current delivery insurance page now says the coverage it maintains does not pay to repair your car during any period of a delivery. New York was named explicitly; that exclusion is no longer the exception it once was.
Limits of this answer
What we have not checked: This is what Uber says about New York. We have not researched why New York was named explicitly, or what a New York delivery driver would need to carry instead.
What could change: Platform policy - can change without legislative action.
Damage to your car
NationwideDoorDash
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
What we have not checked: 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.
Damage to your car
Uber EatsOnline, waiting for an offer · Driving to pick up the order · Order in the car
Uber maintains separate insurance policies for rideshare trips and delivery trips. On the delivery side, Uber's own insurance page states that the coverage Uber maintains does not pay for repairs to your car at any period of a delivery.
Liability coverage is different. If you are at fault and someone else is hurt or their vehicle is damaged, Uber's third-party liability insurance may cover that, depending on your state and whether you were online, en route or on-trip.
If your own car is damaged, Uber points you to your personal policy - and only if that policy covers delivery activity. A standard personal auto policy usually does not.
Limits of this answer
What we have not checked: Uber states that coverages and limits vary by state, and some states require protection beyond Uber's general delivery rules. We have not verified how the delivery rules apply in each state we cover, or what a state may require in addition.
What could change: Uber has changed its delivery vehicle-damage coverage before. Re-read the delivery insurance page rather than assuming this holds.
Injury coverage
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
New YorkUber & Lyft
Most New York drivers have never heard of this, and it is one of the most valuable things on this site.
The Black Car Fund is a not-for-profit set up by New York State. It provides workers' compensation - medical care and replacement income - to drivers of New York black car services, and that expressly includes Uber and Lyft.
You do not enrol. You do not pay a premium. If you drive for a company that is a Member Base of the Fund, you have it.
It covers injuries on the job, and not only crashes - slipping getting out of the car, hurting your back lifting luggage, strain from long hours.
It is funded by a surcharge on passenger trips.
This is not the platform's insurance and you do not claim it through Uber or Lyft. Call the Fund's driver support team on 1-833-814-8590.
Limits of this answer
What we have not checked: This covers injuries while working. It does not cover injuries off the job - the Fund has separate benefits for that, and those do require signing up in advance. You also stop being eligible if the Workers' Compensation Board disqualifies you from lost-time benefits.
What could change: Programme terms can change.
Injury coverage
New YorkUber & Lyft
If a driver affiliated with a Member Base of the Black Car Fund dies while on the job, their family may receive a $100,000 death benefit.
This comes through the Fund's workers' compensation programme, so no enrolment in anything was required. It depends on the workers' compensation claim being accepted.
The Fund also provides survivor benefits to dependents through workers' compensation.
There is a separate $100,000 benefit that does require signing up in advance - see the next answer. They are different things and a family should check both.
Limits of this answer
What we have not checked: This is the on-the-job benefit and depends on an accepted workers' compensation claim. The other $100,000 benefit has different rules. Call 1-833-814-8590.
What could change: Programme terms can change.
Injury coverage
New YorkUber & Lyft
This is a different benefit from the on-the-job death benefit, and the difference matters.
The Fund's Drivers Benefits Program includes a $100,000 accidental death benefit. It pays a lump sum if an enrolled driver dies in a covered accident.
The catch is enrolment. The driver must have been enrolled in the Program at the time of death. You cannot sign up afterwards.
Signing up is free and takes a few minutes, and it also unlocks other benefits - disability cover, critical illness, personal accident, dental, vision. All of them require enrolling **before** anything happens.
If you drive in New York and have not enrolled, that is worth doing today rather than after you need it.
Limits of this answer
What we have not checked: Deaths from prior medical conditions are not covered. This benefit has applied since 1 June 2023. If a family is unsure which benefit applies, call 1-833-814-8590 and ask about both.
What could change: Programme terms can change.
Injury coverage
New YorkUber & Lyft
The Black Car Fund splits into two halves, and drivers routinely miss the second.
Workers' compensation is automatic. But a separate Drivers Benefits Program covers things workers' compensation does not - including injuries and illness that happen when you are **not** working.
It includes disability cover, critical illness cover, personal accident payouts from $50 to $40,000, dental, vision, hearing and telemedicine.
All of it is free. All of it requires enrolling first. The Fund says plainly that you cannot enrol afterwards and be eligible.
Enrolment takes about five minutes and needs proof from your platform that you are actively driving.
Limits of this answer
What we have not checked: Enrolled drivers must keep meeting eligibility requirements. A driver disqualified by the Workers' Compensation Board under section 114-a stops being eligible.
What could change: Programme terms can change.
Claim process
Claim process
New YorkUber & Lyft
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
The Black Car Fund says some injury and lost-wage claims must be filed within 30 days but does not say which. Call 1-833-814-8590 as soon as you can after an accident rather than working out whether it applies to you.
Limits of this answer
What we have not checked: Which claims carry the 30-day deadline is not stated on the page we read. This appears on the Fund's accident support and legal referral page, not its workers' compensation page. New York no-fault separately has its own 30-day notice rule.
What could change: Programme terms can change.
Claim process
Uber & Lyft
Uber says it notifies the appropriate insurance carriers after receiving a Crash Report and the carriers investigate. Uber says the carrier will contact the driver by phone within 2–3 business days. That is initial contact, not a completion or settlement deadline. Personal-auto declarations may be relevant. Uber’s Crash Center provides claim-status information and access to its insurer. Lyft directs users to submit an accident report and offers Claims Customer Care guidance; post-collision inspections may be required. No Lyft response or settlement timeframe is established here. Claims may involve app-status and coverage review, statements or report information, vehicle inspection/estimates and insurer coordination. Delay alone does not establish wrongdoing or denial.
Limits of this answer
What we have not checked: No individual carrier assignment, outcome or claim-settlement deadline is established. Platform processes and assignments may change.
What could change: Platform processes and insurance partners may change.
Claim process
Uber & Lyft
Uber does not identify one universal carrier for every claim. The Crash Center provides access to Uber’s insurer, and Uber or partner insurance representatives may contact the claimant. Lyft currently lists Liberty Mutual, Mobilitas, State Farm, Progressive and Allstate as trusted auto-insurance partners. That list does not identify the handler for every state or individual claim; assignments can depend on market/policy and can change. Compare contact information with the platform claim details and use the official support channel if unsure. Do not disclose sensitive information solely because an unfamiliar caller claims to represent an insurer.
Limits of this answer
What we have not checked: No individual carrier assignment, outcome or claim-settlement deadline is established. Platform processes and assignments may change.
What could change: Platform processes and insurance partners may change.
Claim process
Uber & Lyft
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
Uber tells drivers to contact police or paramedics if there are injuries or damage and to save a police-report number if one exists. The Uber Driver app separately accepts a crash report; Lyft has an accident-report process to start a claim of loss. Neither reviewed platform page says a police report is required for every claim. The absence of a report does not itself prove a claim cannot be submitted. Legal crash-reporting duties vary by state and facts, so the platform process does not waive them. Photos, contact and insurance information, and trip or app-status records may help document the event.
Limits of this answer
What we have not checked: No nationwide legal crash-reporting threshold or state-by-state prerequisite has been established. Requirements depend on the state and accident facts.
What could change: Platform terms and individual policy coverage may change.
Claim process
New YorkAll platforms
Under New York's Regulation 64 (11 NYCRR 216.7(b)(1)), the 6-business-day clock starts when the insurer RECEIVES YOUR NOTICE OF CLAIM - not when you make the car available for inspection. This is a common point of confusion: within those 6 business days, if the insurer wants to inspect the car before repairs, it must both inspect it AND make a good-faith settlement offer. If it misses that window while the car was available, it loses the right to dispute the damage.
Separately, Regulation 64 also requires the insurer to accept or reject within 15 business days of a proof of loss, and pay an agreed settlement within 5 business days.
Separately, if your claim is still unresolved after 30 days, New York requires the insurer to give you a written explanation for the delay. This is a general claim-process rule, distinct from the 6-business-day inspection-and-offer window above.
Limits of this answer
What we have not checked: This covers physical-damage claim timing under Reg. 64; it does not cover bodily-injury claim timing, which follows different rules.
What could change: Low near-term risk.
Deductible recovery
Deductible recovery
Uber & Lyft
Your insurer may pay your covered vehicle damage first. If another driver was responsible, the insurer can then try to recover what it paid from that driver or their insurance company. That process is called subrogation, and your deductible may be part of what it recovers.
Whether you get all of it, some of it, or none of it can depend on whether the other driver can be identified, whether they have valid coverage, whether fault is disputed, whether the insurer actually recovers anything, and your state's deductible-recovery rules.
Three questions worth asking your claim handler: are you pursuing subrogation, is my deductible included in the recovery, and have you recovered anything yet.
Limits of this answer
What we have not checked: Some states have specific rules requiring an insurer to include the policyholder's deductible when pursuing recovery. We have not verified those rules state by state, and we cannot tell you whether any particular claim will recover anything.
What could change: State deductible-recovery rules can change. Check your state's regulator.
Subrogation
Uber & Lyft
There is no honest "you'll have your deductible back in 30 days" answer. Subrogation can stay open while insurers work out who was responsible, what was covered, and who repays whom.
It takes longer when fault is disputed, when the other driver's coverage is unclear, when the other insurer has not paid, when accident information is missing, or when only part of the loss can be recovered.
Some states set their own communication rules. Washington requires insurers pursuing auto subrogation to update the insured within 60 days after the process begins, and at least every 180 days while the insured's interest remains unresolved. That is a Washington communication requirement, not a nationwide deadline for finishing the recovery.
Limits of this answer
What we have not checked: We have verified Washington's communication rule. We have not checked whether the other states we cover set their own subrogation communication requirements, and no state rule we found sets a deadline for completing a recovery.
What could change: State communication rules can change.
Rental and lost income
Rental and lost income
NationwideUber & Lyft
Uber explicitly says its insurance does not cover a rental car after an accident and directs drivers to paid rental options through its Vehicle Marketplace. Lyft's published standard driver-insurance package does not include rental reimbursement or replacement transportation.
Lyft Express Drive and Uber's Vehicle Marketplace are separate paid rental programs, not first-party rental reimbursement under a driver's accident coverage.
If another party is responsible, rental or loss-of-use may be pursued through that party's liability claim, depending on state law and the claim facts. This is not a universal entitlement or a fixed coverage trigger.
Limits of this answer
What we have not checked: Whether rental or loss-of-use can be recovered through another party’s liability claim depends on state law and the facts. We have not verified a state-specific entitlement or amount.
What could change: Platform insurance terms and paid rental programs may change; regional requirements and stated exceptions apply.
Rental and lost income
Uber & Lyft
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
Platform vehicle-damage coverage does not pay for income lost while your car is off the road. Uber sells Vehicle Interruption Coverage separately where available. Lost earnings from an at-fault driver depend on your state and circumstances.
Limits of this answer
What we have not checked: We have verified what the platforms say they sell. We have NOT verified whether you can recover lost earnings from an at-fault driver in your state, how such a claim would be measured, or what records would be required. That is a legal question that varies by state and by the facts of the crash, and we have not researched it. We name Uber's injury-side products only in general terms here, because this row's sources cover vehicle downtime and Lyft's first-party coverages; the injury products are described on Uber's main insurance page.
What could change: Optional products are added and withdrawn by state, and their pricing changes. We deliberately do not publish the per-mile price on the page: it is subject to change and this answer is about who pays a driver who cannot work, not what the product costs. Do not confuse the two Uber products - Vehicle Interruption Coverage covers a car off the road; Optional Injury Protection covers an injury. They are priced separately.
Rental and lost income
UberDriving to pick up a passenger · Passenger in the car
Vehicle Interruption Coverage is optional coverage Uber offers through Chubb to eligible drivers in the U.S., excluding U.S. territories, using four-wheeled vehicles.
If a covered accident or theft leaves your vehicle inoperable for at least 24 hours, it pays a $2,500 lump sum. The incident has to happen while you are en route to a pickup or on a trip. Incidents while you are offline or waiting for a request are not covered.
It does not pay for the damage to your car, and it does not cover downtime from routine maintenance, wear and tear, mechanical breakdown or similar causes.
It pays up to two claims in a 12-month period, and coverage is cancelled after the second paid claim. After the second payable claim terminates coverage, the driver is eligible to re-enroll after 180 days.
Uber currently tells drivers to report an incident immediately and no later than 30 days afterwards. The current rate is $0.031 per mile on covered trips, and Uber says that can change.
Limits of this answer
What we have not checked: The 30-day reporting instruction is Uber's own claim instruction, not a legal deadline. Price is subject to change. Eligibility and policy terms still apply.
What could change: Platform product - price and terms can change.
Rental and lost income
Lyft
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
Flexdrive is part of Lyft Express Drive. Personal use with the app off, waiting for a request, and en route or on-trip have different insurance questions. Personal-use coverage and priority vary by state and rental agreement. Flexdrive vehicle-damage protection may apply up to actual cash value or repair cost, subject to terms; Lyft documents an ordinary $1,000 physical-damage deductible where applicable. Active rideshare liability retains Lyft state and period rules. Optional Flexdrive protection plans are not insurance; they may reduce accidental-damage charges, depending on plan and market. Outstanding charges may reduce or consume an Express Drive deposit, but a charge is not automatic and responsibility depends on the agreement, fault and damage determination and plan. Report collisions to Lyft. For Flexdrive damage, report a drivable vehicle to its pickup branch or use Flexdrive roadside assistance if disabled. An inspection or temporary removal is possible; no replacement or continued eligibility is promised.
Limits of this answer
What we have not checked: Personal-use priority, partner terms, protection-plan availability and a particular charge depend on state, market and agreement. No replacement or continued eligibility is established.
What could change: Rental programs, partner terms and market availability may change.
Rental and lost income
Lyft
Lyft Express Drive offers approved rental vehicles through partners including Flexdrive and Hertz, with availability and terms varying by market. Express Drive rentals can also be used personally. Personal miles are miles driven with the Lyft app off. Flexdrive renters choose a personal-mileage plan, while Lyft currently says Hertz renters have unlimited personal miles. Vehicle activity can track miles outside Driver Mode. These mileage rules do not decide app-off insurance. A crash should be reported through Lyft’s accident-report process and the partner’s procedure. Drivable Flexdrive damage goes to the pickup branch; disabled vehicles use Flexdrive roadside assistance. Lyft instructs Avis Express Drive renters to complete the Avis Accident/Incident Report. One report may not satisfy all requirements.
Limits of this answer
What we have not checked: Market eligibility, partner terms and insurance while using the vehicle personally depend on the current agreement and state. A replacement after damage is not promised.
What could change: Rental programs, partner terms and market availability may change.
Rental and lost income
Uber
Uber says an unapproved rental may cause permanent deactivation. The driver Vehicle Marketplace offers approved rental or leasing options in participating cities, including programs such as Hertz and Avis. An arbitrary rental from either brand does not qualify unless booked under the approved Uber program. Uber Rent is a separate consumer booking product. After a rental crash, follow the rental partner’s accident and roadside instructions along with Uber’s applicable crash-report process; one report does not necessarily replace the other. Damaged vehicles may need inspection or temporary removal, with no replacement or continued eligibility promised.
Limits of this answer
What we have not checked: Approved partner inventory and local eligibility vary. Individual rental agreement, accident procedure, charges and continued eligibility depend on partner terms.
What could change: Rental programs, partner terms and market availability may change.
Rental and lost income
Uber
Partly verified. What we confirmed is below. What we have not checked is named in the notes.
Uber’s Hertz Vehicle Marketplace program says auto insurance, basic maintenance and unlimited miles are included. Uber’s Avis program says eligible weekly rentals include liability insurance, basic maintenance and unlimited miles. These are partner-specific offers, not one identical insurance policy. Uber separately maintains applicable commercial rideshare insurance while on-app, subject to period and state terms. Qualifying Vehicle Marketplace rentals may have a $1,000 comprehensive/collision deductible; do not apply it to every rental or loss. The rental agreement controls partner insurance and damage responsibility. After a crash follow Uber reporting and partner-specific accident and roadside instructions. A damaged vehicle may be inspected or temporarily unavailable; no replacement or continued eligibility is promised. Uber’s insurance does not reimburse a paid rental after a driver’s personally owned car is damaged.
Limits of this answer
What we have not checked: The exact partner policy, personal-use coverage, deductible, protection plans, charges and replacement terms require the specific rental agreement and state context.
What could change: Rental programs, partner terms and market availability may change.
Rental and lost income
Uber & Lyft
Uber requires approved rental partnerships for its drivers and warns unapproved rentals can lead to permanent deactivation. Lyft has an approved Express Drive program; an unrelated personal rental is not automatically approved for Lyft trips. Uber Rent is different from the driver Vehicle Marketplace. Its terms state consumer reservations are for non-commercial, non-rideshare and non-delivery purposes, require users to warrant personal auto coverage for rented vehicles, and leave the rental or carsharing terms to the third-party provider agreement. Use a program that expressly permits the intended rideshare work and follow its agreement. After a crash, make both required platform and partner reports; damage may require inspection or roadside help. Neither replacement nor continued eligibility is guaranteed.
Limits of this answer
What we have not checked: The terms of an ordinary rental company may vary; no universal prohibition across all companies is established. Market/program terms and individual agreements control.
What could change: Rental programs, partner terms and market availability may change.