Insurance

How Your UZURV Insurance Works

When your app is open and you are toggled online

This is sometimes referred to as Period 1 in the world of a Transportation Network Company.   This is the time you are logged on to UZURV 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.

On your way to pick up a 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 coverage

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

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. 

While a 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 coverage

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

Uninsured or underinsured motorist bodily injury coverage

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. 

For both Period 2 and Period 3:

Contingent collision coverage 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 $2,500 deductible.