If you drive for Uber in Wyoming, your insurance coverage depends on your app status at the time of an accident. Uber provides liability protection during active ride periods, but important gaps can still exist. Understanding how this coverage works is essential for protecting yourself financially.
For a full overview of rideshare insurance in the state, see the Wyoming Rideshare Insurance Guide.
Uber’s Three Coverage Periods
Uber divides insurance coverage into three main driving periods. The level of protection increases once a ride is accepted.
Period 1: App On, Waiting for a Ride Request
When logged into the Uber app but waiting for a ride request, Uber provides contingent liability coverage of at least:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage per accident
This coverage applies only if your personal insurer denies the claim. Because most personal auto policies exclude commercial activity, a rideshare endorsement is strongly recommended.
Period 2: Ride Accepted, En Route to Passenger
Once you accept a ride request, Uber provides up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may apply if you carry those coverages on your personal auto policy.
Period 3: Passenger in Vehicle
During active trips, Uber maintains up to $1 million in liability coverage. Uninsured and underinsured motorist coverage may apply depending on the accident circumstances.
Does Uber Cover Vehicle Damage in Wyoming?
Uber provides contingent comprehensive and collision coverage during Periods 2 and 3, but only if you maintain comprehensive and collision coverage on your personal auto policy. A deductible applies before Uber coverage pays.
There is typically no vehicle damage coverage during Period 1 unless you carry a rideshare endorsement.
Common Coverage Gaps
- No collision coverage during Period 1 without an endorsement
- Higher deductibles under Uber’s contingent coverage
- Potential claim coordination issues between insurers
To review Wyoming’s insurance requirements, see Wyoming Rideshare Insurance Requirements.
Should Wyoming Uber Drivers Add Rideshare Insurance?
Yes. A rideshare endorsement helps eliminate the Period 1 gap and reduces the risk of claim denial or policy cancellation. It ensures smoother coordination between your personal insurer and Uber’s contingent coverage.
To compare premiums, see Wyoming Rideshare Insurance Cost. To evaluate providers, review Best Rideshare Insurance in Wyoming.
Next Steps
- Confirm your insurer allows Uber driving
- Add a rideshare endorsement if required
- Review deductible differences carefully
- Compare Uber and Lyft insurance coverage in Wyoming