If you drive for Uber in Arkansas, Uber provides insurance coverage while you are using the app — but that coverage only applies during certain driving periods. Understanding when Uber’s insurance is active and where coverage gaps exist is essential for avoiding denied claims.
This guide explains how Uber insurance works in Arkansas, what coverage Uber provides during each driving period, and when additional insurance is necessary.
Uber Insurance Coverage Periods Explained
Uber insurance coverage in Arkansas is divided into three driving periods. Each period determines which insurance policy applies if you’re involved in an accident.
- Period 0 (App Off): Uber provides no coverage. Only your personal auto insurance applies.
- Period 1 (App On, Waiting for a Ride): Uber provides limited liability coverage, but no collision or comprehensive coverage.
- Periods 2 and 3 (En Route or Passenger in Vehicle): Uber provides higher liability limits and contingent collision and comprehensive coverage.
The most common coverage gap for Arkansas Uber drivers occurs during Period 1, when Uber’s coverage is limited and personal auto insurance may exclude rideshare activity.
Uber Liability Coverage in Arkansas
When you are driving to pick up a passenger or transporting a passenger, Uber provides commercial liability insurance. This coverage helps protect you if you cause an accident that injures another person or damages property.
However, Uber’s liability coverage does not protect your own vehicle unless you also carry qualifying personal coverage.
Does Uber Cover Damage to Your Vehicle?
Uber provides contingent collision and comprehensive coverage in Arkansas during active trips, but only if you already carry collision and comprehensive coverage on your personal auto policy.
This coverage typically comes with a deductible and does not apply while waiting for ride requests. Without a rideshare endorsement, drivers may still face out-of-pocket costs.
Where Uber Insurance Falls Short in Arkansas
Uber insurance does not provide full protection at all times. Coverage gaps are common while waiting for ride requests, and personal insurers may deny claims if rideshare activity is discovered.
These gaps are why many Arkansas Uber drivers add a rideshare endorsement or choose a rideshare-friendly insurance policy.
Do Arkansas Uber Drivers Need Additional Insurance?
Most Arkansas Uber drivers benefit from additional insurance beyond what Uber provides. A rideshare endorsement can extend personal coverage during app-on periods and reduce the risk of denied claims.
The right coverage depends on how often you drive, your insurer, and your risk tolerance.
Related Arkansas Rideshare Insurance Guides
For a complete overview of rideshare insurance in Arkansas, including requirements and cost considerations, visit our Arkansas rideshare insurance hub.
Best Rideshare Insurance in Arkansas
To compare Uber coverage with Lyft’s insurance in Arkansas, see our Lyft insurance guide.