Here is your insurance answer I received today and more:
Thank you for writing in. Jonatan here with Partner Support, stepping in for Dani to further assist you. I understand your concern on the insurance policy and I am happy to help.
The Uber insurance policy covers all riders and drivers of the 18+. Any riders under 18 should not be riding on our platform and therefore you are able to decline a trip with an individual that you believe is not of age. However, if a rider is 18+ with a child, they both will be covered under the policy.
Below, you can find an overview of how insurance works for rideshare drivers with Uber. You can always read a more detailed overview
here.
From the time you log into the Uber partner app until you accept a trip in Massachusetts we maintain a policy that provides 3rd party liability coverage in the amounts of $50k/$100k/$25k. This policy is contingent to your personal policy, meaning it will apply only if your personal auto insurance does not apply In the state of Massachusetts, we also maintain Uninsured Motorist coverage in amounts of $35k/$80k and Personal Injury Protection coverage in the amount of $8k.
From the time you accept a trip until its completion and the rider(s) exits the vehicle, in Massachusetts we maintain the following coverage:
• $1M of 3rd party liability;
• $1M of uninsured/underinsured motorist injury; and
• contingent comprehensive and collision insurance - so, if you maintain comprehensive and collision insurance on your own personal policy, our policy will cover physical damage to that vehicle up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible
In the state of Massachusetts, we also maintain Personal Injury Protection coverage in the amount of $8k.
You are not required to purchase rideshare insurance as we will maintain coverage on your behalf that will comply with all state and local laws.
You can find the certificate of insurance we maintain
here and you can also find this in the app through the Waybill.
Please reach out if you have any additional questions and/or concerns.
Best