Uber provides insurance coverage for drivers in San Diego, but the level of protection depends on the driver’s status within the app. Coverage changes when the rideshare app is off, when you are waiting for a ride request, and when a trip is in progress.
For a full overview of rideshare insurance rules, see San Diego Rideshare Insurance for Uber & Lyft Drivers.
Uber Insurance Periods Explained
- App Off: Personal auto insurance applies.
- App On – Waiting for Request: Uber provides limited liability coverage.
- Ride Accepted / Passenger Onboard: Uber provides up to $1 million in third-party liability coverage.
Coverage Gaps Drivers Should Understand
The biggest insurance gap for many rideshare drivers occurs during the waiting period when the app is on but a ride has not yet been accepted. Personal auto policies may deny claims during this period if rideshare activity is detected.
Should Uber Drivers Carry Rideshare Insurance?
Many San Diego drivers add a rideshare endorsement to their personal auto policy to ensure continuous coverage while waiting for ride requests.
Drivers comparing providers can review Best Rideshare Insurance in San Diego.