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 (Or App Open, Before Expressing Interest in Active Trip)

Coverage:

Your Personal Policy

App Open & Expressed Interest in Trip

Coverage:

Period 1

  • $50k/person (Bodily Injury)*
  • $100k/accident (Bodily Injury)*
  • $25k/accident (Bodily Injury)*

En Route to Active or Scheduled Trip

Coverage:

Period 2

  • 3rd Party Auto Liability: $1MM/Occurrence
  • UM/UIM: Coverage Limits Vary by State
  • Contingent Collision & Comprehensive: Actual Cash Value or Repair Cost, Whichever is Less ($1,000 Deductible)

Trip in Progress with Rider in Car

Coverage:

Period 3

  • 3rd Party Auto Liability: $1MM/Occurrence
  • UM/UIM: Coverage Limits Vary by State
  • Contingent Collision & Comprehensive: Actual Cash Value or Repair Cost, Whichever is Less ($1,000 Deductible)

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.

Third Party Liability Auto Coverage

$50k/person (Bodily Injury)*

$100k/accident (Bodily Injury)*

$25k/accident (Property Damage)*

This insurance covers your liability for damages to any third party such as another driver, pedestrian, or property in case of an accident when you’re at fault. 


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.

Third Party Liability Auto Coverage

$1MM/Occurrence

This insurance covers your liability for damages to any third party such as another driver, pedestrian, or property in case of an accident when you’re at fault.

Uninsured or Underinsured Motorist Bodily Injury Coverage

Coverage limits vary by state.

This insurance covers any occupant of your vehicle in case of an accident where another party is at fault, but does not have insurance or is underinsured. This also covers hit and run accidents where the at-fault party cannot be identified.

Contingent Collision & Comprehensive Coverage

Actual Cash Value or repair cost, whichever is less ($1,000 deductible)

This covers physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The contingent collision coverage applies up to the actual cash value of your vehicle or cost of repair, whichever is less, subject to a $1,000 deductible.


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.

Third Party Liability Auto Coverage

$1MM/Occurrence

This insurance covers your liability for damages to any third party such as another driver, pedestrian, or property in case of an accident when you’re at fault.

Uninsured or Underinsured Motorist Bodily Injury Coverage

Coverage limits vary by state.

This insurance covers any occupant of your vehicle in case of an accident where another party is at fault but does not have insurance or is underinsured. This also covers hit and run accidents where the at-fault party cannot be identified.

Contingent Collision & Comprehensive Coverage

Actual Cash Value or repair cost, whichever is less ($1,000 deductible)

This covers physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The contingent collision coverage applies up to the actual cash value of your vehicle or cost of repair, whichever is less, subject to a $1,000 deductible.

*Please note: Coverages may be modified to comply with local regulations and/or state laws.