Facing discussions around a car incident tragic outcome involving a young San Francisco girl, Uber has expanded its insurance policy. The coverage now includes independent drivers who have their Uber apps online but do not have passengers in their vehicles at the time of the incident. In the past, Uber’s insurance for its peer-to-peer service, UberX, only came into effect during rides with passengers. There was no coverage for incidents occurring while the driver was available but without passengers. In such cases, the driver’s personal insurance was the only applicable coverage. Uber’s contingent coverage now offers $50,000 per individual for bodily injury, $100,000 total for bodily injury, and $25,000 per incident for property damage, as detailed in a blog post. Uber’s CEO, Travis Kalanick, shared during a press call that he anticipates insurance companies will eventually cater to peer-to-peer transportation drivers specifically. However, until that happens, he believes Uber’s extended coverage can serve as an interim solution.

Addressing concerns raised by insurance companies indicating a reluctance to cover drivers involved in such services, Kalanick stated that Uber is actively working to establish greater rapport within the peer-to-peer industry. The incident that led to these discussions involved an UberX driver who tragically struck and fatally injured a 6-year-old girl in San Francisco on New Year’s Eve. As the driver was not carrying a passenger at the time, the incident was not covered by Uber’s insurance policy at the period. The girl’s family subsequently filed a wrongful death lawsuit against Uber. While the driver’s personal insurance fully covered the accident, Uber acknowledged potential ambiguity in other insurance policies. Kalanick emphasized the importance of addressing any insurance gaps that may exist.

According to Uber, drivers are covered by their personal insurance or state law, depending on their policy terms. The emergence of services like UberX, Lyft, and Sidecar has introduced a complex landscape for insurance providers and drivers. To tackle these challenges, the three companies are part of a coalition established to navigate insurance issues within peer-to-peer services. Uber aims to clarify this landscape with its updated policy. Lyft also confirmed its plans to introduce similar coverage gradually on a state-by-state basis. Uber’s blog post underscores the importance of ensuring that drivers, riders, and communities utilizing their app have a safety net to address any potential insurance gaps as regulatory and insurance frameworks evolve.


  1. What prompted Uber to extend its insurance policy?

    • Uber extended its insurance policy following a tragic incident involving an independent driver without passengers in their vehicle.
  2. What does Uber’s contingent coverage for drivers include?

    • Uber’s contingent coverage offers $50,000 per individual for bodily injury, $100,000 total for bodily injury, and $25,000 per incident for property damage.
  3. How did the incident involving a 6-year-old girl impact Uber’s insurance policy?

    • The incident prompted Uber to review and update its insurance policy to provide coverage for drivers in similar situations.
  4. How does Uber’s CEO envision the future of insurance for peer-to-peer transportation drivers?

    • Uber’s CEO believes that insurance companies will eventually offer tailored solutions for peer-to-peer transportation drivers.
  5. What steps is Uber taking to address insurance concerns within the peer-to-peer industry?

    • Uber is actively engaging with insurance companies to foster better understanding and cooperation within the peer-to-peer industry.
  6. Is Lyft also updating its insurance policy in response to Uber’s actions?

    • Yes, Lyft has confirmed plans to introduce similar insurance coverage gradually on a state-by-state basis.
  7. How does Uber ensure coverage for drivers according to their personal insurance policies or state laws?

    • Uber ensures that drivers are covered in accordance with their personal insurance policies or relevant state laws.
  8. What challenges have emerged for insurance providers and drivers with the rise of services like UberX, Lyft, and Sidecar?

    • The emergence of these services has created a complex environment for insurance providers and drivers, leading to the need for clearer insurance frameworks.
  9. What role does a coalition play in addressing insurance issues within peer-to-peer services?

    • A coalition involving companies like Uber, Lyft, and Sidecar has been established to address and navigate insurance challenges within peer-to-peer services.
  10. How does Uber aim to provide clarity on insurance coverage within the peer-to-peer industry?

    • Uber aims to provide clarity by updating its insurance policy and collaborating with industry stakeholders to address any existing gaps.
  11. What is the significance of establishing a safety net for drivers, riders, and communities in the context of insurance coverage?

    • The safety net ensures that all parties involved have coverage and protection in place as regulatory and insurance frameworks evolve.
  12. How is Uber’s blog post reinforcing the importance of addressing insurance gaps in ridesharing services?

    • Uber’s blog post emphasizes the need to address any potential insurance gaps to ensure the safety and protection of drivers, riders, and communities.


In summary, Uber’s recent decision to extend its insurance coverage for independent drivers reflects a proactive approach to addressing gaps in coverage within the peer-to-peer transportation industry. The tragic incident involving a 6-year-old girl highlighted the importance of ensuring adequate insurance protection for drivers and passengers alike. By clarifying its contingent coverage and working towards establishing clearer insurance frameworks, Uber aims to foster greater confidence among drivers, riders, and communities utilizing their services. The collaboration within the industry coalition and the gradual rollout of enhanced insurance coverage by companies like Lyft signify a collective effort to enhance safety and protection within the ridesharing ecosystem. As regulatory and insurance landscapes continue to evolve, the commitment to addressing insurance gaps remains paramount for ensuring a secure and reliable transportation experience for all stakeholders.

Call to Action:

For more information on Uber’s insurance policies and updates, visit their official website to stay informed and ensure you have the necessary coverage when utilizing peer-to-peer transportation services.