The auto insurance coverage that Uber offers changes depending on what stage of the trip the Uber driver was in. When the Uber app is off, you are covered by the personal insurance policy of the Uber driver. When the rideshare driver has the app on, Uber provides liability coverage. When the app is on and the driver is waiting for a request, the driver has the lowest coverage amount of any other time during your trip. Uber's liability insurance coverage limits are: Bodily injury: $50,000 per person and $100,000 per accident limit Property damage: $25,000 per accident The liability insurance provider will only protect other people's repair or medical costs when an Uber driver is at fault for an accident. Uber's full coverage includes a $1 million third-party liability policy, uninsured motorist, underinsured motorist, collision, and comprehensive coverage up to the actual cash value of your car.