How Your UZURV Insurance Works
Varying levels of UZURV insurance coverage are in effect depending on what stage of a trip you are in. See below for more info.
Driver Offline
Coverage:
Your Personal Insurance Policy
Driver Online
(Periods 1, 2, and 3)
App Open & Expressed Interest in On-Demand Trip
En Route to Active or Scheduled Trip
Trip in Progress with Rider in Car
Coverage:
Auto Liability Combined Single Limit:
$1M each accident, except in the following:
$1.5M each accident in MN, NJ, NV
Comprehensive and Collision Deductibles:
$2,500
When you're offline or your app is open but you haven't expressed interest in a trip yet:
You are NOT covered by UZURV insurance. Your personal insurance policy coverage is in effect.
When your app is open and you've expressed interest in an on-demand ride but haven't been assigned to it, yet:
This is sometimes referred to as Period 1 in the world of a Transportation Network Company. This is the time you are active on the UZURV platform specifically awaiting assignment of an On-Demand ride, but you are not en-route to a trip, or on an active trip. You are covered by our insurance for Liability to a third party.
When you're on your way to pick up an assigned rider:
This is sometimes referred to as Period 2 or En-Route—it occurs while you drive to pick up a rider but before they get into your car. You must be marked En Route to be in period 2. You are covered by our insurance policy for two things: 1) your liability to a third party, and 2) any injuries due to an uninsured or underinsured motorist.
When an assigned rider is in your car:
This is Period 3. When a rider is in your car, you have the same coverage as you do on your way to pick them up, plus the rider in your car is covered. You are covered by our insurance policy for two things: 1) your liability to a third party, and 2) any injuries due to an uninsured or underinsured motorist.