top of page

Understanding The Uber Three-Period Insurance Game

Navigating the landscape of rideshare accidents, particularly those involving Uber drivers, presents a unique set of challenges for personal injury attorneys in California. The distinctions between personal and professional liabilities are not always crystal clear. Armed with a nuanced understanding of Uber’s operational policies, you can better prepare to advocate for drivers who find themselves in the unfortunate position of an accident. This article delves into the complexities of representing an Uber driver by illuminating the various coverage scenarios based on Uber’s distinctive operational periods.

Period 1: App On, Waiting for a Request

The commencement of a driver’s interaction with the Uber platform starts in what is referred to as Period 1. In this initial phase, the driver has the Uber application activated and is available for ride requests, but no ride has been accepted yet. One might presuppose that having the application operational signifies a professional undertaking, however, Uber's policies see it differently. Uber demarcates itself from bearing full responsibility during this period. Essentially, in the occurrence of an accident during this time, it is treated akin to a conventional car accident, where Uber’s liability insurance isn’t prevalently applied.

The rationale behind this stance is grounded in the classification of Uber drivers as independent contractors, not formal employees of Uber. (Review California Prop 22) Thus, the scope of liability that Uber assumes is curtailed, and drivers find themselves in a more vulnerable position in terms of insurance coverage. Uber does, however, offer a semblance of liability insurance during this period, but the overarching responsibility predominantly lies with the driver's personal insurance.

Period 2: En Route to the Passenger

Transitioning into Period 2, a more dynamic layer of complexities is unveiled. This period is initiated once a ride request has been accepted, and the driver is en route to pick up the passenger. In the unfortunate event of an accident during this window, Uber’s insurance becomes more palpable in its coverage, enveloping the damages incurred.

However, intricate challenges loom in this period, particularly in substantiating the timing and nature of the ride. A nuanced difficulty arises if, due to the accident, the driver is unable to complete the ride, leading to a cancellation. This could lead to a conundrum where Uber could potentially argue that the driver was still in Period 1, thus mitigating its liability. A pivotal practice to circumnavigate this issue is the meticulous gathering of evidence, such as screenshots capturing the active status of the ride, inclusive of date and time.

Moreover, it’s imperative to discern that Uber’s insurance does not inherently comprise Uninsured/Underinsured Motorist (UIM) coverage for drivers. In scenarios where another party, inadequately insured, is at fault, the Uber driver’s protection hinges on their own personal UIM policy. Our experience with Uber cases suggests that most Uber drivers are unaware that Uber’s policy does not cover their own injuries in this unfortunate scenario. UIM coverage is an often overlooked and unelected benefit on most personal insurance policies which leaves many Uber drivers vulnerable in this scenario.

Period 3: Passenger Onboard

Entering Period 3, the framework becomes more straightforward. With a passenger onboard and the journey underway towards the destined location, the driver is unequivocally “on the clock”. Uber’s insurance apparatus operates with more clarity and robustness in this period. Accidents occurring during this phase are enveloped by Uber’s insurance of $1M, marked by a more explicit alignment of liability given the manifest evidence of the driver being engaged in a professional capacity.


Embarking on the representation of Uber drivers necessitates a granular understanding of the operational periods and the respective nuances of liability and insurance coverage. Armed with this knowledge, personal injury attorneys can navigate the intricacies with more precision, fostering a more effective advocacy for the rights and protections of Uber drivers in California.

Feel free to reach out with any questions or comments regarding this post. We are available to engage with other personal injury attorneys, clarify any points in the article, or discuss related topics in further detail. Your insights and inquiries are always welcome around the horn!

Kyle J. Wunderli, Attorney

Big League Law, Inc., (949) 777-5611




bottom of page