insurance
Use of Uber app and car services and liability
<p>I use Uber app as a passenger. I investigated Uber site.</p>

<p>It appears that <em>passengers</em> are covered up to <strong>$1mil</strong> regardless of what insurance driver maintains outside of Uber.</p>

<ul>
<li>Is this correct? </li>
<li>Is this in all states?</li>
<li>Is this optional or mandatory for Uber drivers?</li>
</ul>

<p>It sort of seems to be true, <a href="https://www.uber.com/us/en/drive/insurance/" rel="nofollow noreferrer">according to Uber</a>. Specifically, Uber covers driver liability (so it's about Uber and its relationship to drivers, not Uber and the customer: it covers the driver's liability). They maintain $1,000,000 third-party liability insurance and uninsured / underinsured motorist bodily injury. They provide insurance certificates within the US <a href="https://www.uber.com/newsroom/certificates-insurance-u-s-ridesharing/" rel="nofollow noreferrer">here</a>, and this covers the 50 states plus DC and Puerto Rico. The state of Washington certificate is <a href="https://ubernewsroomapi.10upcdn.com/wp-content/uploads/2019/02/WA-COI-P1-3-Phys-Dam.pdf" rel="nofollow noreferrer">here</a>, and here is <a href="https://ubernewsroomapi.10upcdn.com/wp-content/uploads/2019/09/TX-COI-P1-3.pdf" rel="nofollow noreferrer">Texas</a>. These are informational summaries, not insurance policies, so the devil is in the actual contract, but it seems to match their online self-representation. The one point that may need to be clarified is that this covers up to $1M of total driver liability, not just passengers.</p>

<p>It's not clear whether an Uber driver can refuse such coverage purchased on his own behalf – you'd have to look at the contract between the driver and the company. Of course the driver has to have liability insurance anyway: Uber simply makes sure that happens, and increases coverage above the statutory minimum.</p>
