Optional Injury Protection (OIP) is purchased add-on insurance, not automatic. Once you've enrolled and coverage applies, it pays accident medical expenses up to $1,000,000 (no deductible or copay), temporary and continuous total disability up to $500/week, and accidental death, survivor and dismemberment benefits, subject to policy limits.
Within ClaimedUp's covered states, Uber currently lists OIP in Arizona, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington. It's not currently listed for California, Connecticut, Minnesota or New York - those states have a different, automatic system instead. Massachusetts is on both lists at once; see below.
When it applies
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 to personal driving or work for another company.
Why some states aren't on the list
Not being listed for OIP doesn't mean no injury protection - it usually means a different, automatic system applies instead:
- California - automatic Occupational Accident coverage for qualifying rideshare and delivery activity.
- Minnesota - automatic Occupational Accident coverage for eligible Rides activity.
- Washington - workers' compensation during dispatch and passenger platform time; OIP may still cover other eligible periods if you've enrolled.
Don't confuse any of these automatic state programs with Uber OIP - they're different systems, even when the benefit categories look similar.
Massachusetts runs both systems
Massachusetts is not a normal OIP-only state, and it's not a normal automatic-only state either - it's both. Since October 1, 2024, Uber has automatically provided Occupational Accident (OA) coverage for qualifying Rides activity there: online and waiting for a passenger trip, en route to pick one up, or on a Rides trip that started in Massachusetts. No signup needed.
OIP is still purchasable on top of that, and it still applies to eligible delivery activity. What changes is billing: Uber says it won't charge you for OIP on a Massachusetts Rides trip that OA already covers, so you're not paying twice for the same trip. If you're available for both Rides and delivery requests while waiting, Uber says OA - not OIP - is what provides that coverage.
Cost and claims
Current price is $0.024 per covered trip mile ($0.022 in Washington); Uber says rates are subject to change. If you need to file a claim, Uber's current 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.
What injury benefits do DoorDash drivers get? →Does Uber or Lyft pay me if I'm injured and can't work? →
OIP availability differs by state - some states have an automatic program instead. Open your state and jump straight to what we have verified.
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