There are three different modes in which Uber drivers operate. If the app is on, and the driver is waiting for ride requests, Uber insurance is not in effect. If the driver has accepted a ride request and they are on the way to pick up the passenger, they are now on duty. If they got into an accident at this time, Uber’s insurance may cover it. Once the passenger is in the vehicle, if the driver gets involved in a traffic crash Uber’s one-million-dollar insurance coverage should cover the passenger’s injuries when the driver is on duty. Learn More