Understanding the Current Uber Insurance Limits in California
If you are injured in an Uber accident in California, understanding the insurance coverage available to you is an important part of protecting your personal injury claim.
As of January 1, 2026, California Uber passenger trips are subject to new uninsured/underinsured motorist (UM/UIM) coverage limits. Under the updated coverage, an injured passenger may have up to $60,000 in UM/UIM coverage per individual, with a $300,000 limit per accident
What Does $60,000 Per Person Mean?
Under the appropriate UM/UIM policy, an individual passenger may have up to $60,000 available for covered injuries under the $60,000 per-person limit if the liable driver is either uninsured or does not have enough insurance to completely compensate the injured person.
For instance, depending on the relevant insurance and the circumstances of the case, an Uber passenger who is severely injured by an uninsured driver may be eligible to seek reimbursement through Uber’s UM/UIM coverage.
Regardless of the number of affected parties, the $300,000 per-accident limit is the maximum amount available for covered bodily injury claims resulting from the same accident.
What If the Uber Driver Caused the Accident?
Uber also maintains at least $1 million in liability coverage for accidents caused by a rideshare driver while the driver is in route to pick up a passenger or is transporting a passenger.
This means the applicable insurance coverage can depend heavily on who caused the accident and what the Uber driver was doing at the time of the collision.
Why These Limits Matter
Insurance limits can have a significant impact on a personal injury claim. A passenger who suffers serious injuries may have medical expenses, lost wages, pain and suffering, and other damages that exceed the available insurance coverage.
For this reason, it is important to identify all applicable insurance policies and coverage limits following an Uber accident.
If you have been injured as an Uber passenger, speaking with a personal injury attorney can help you understand what coverage may be available and what steps should be taken to protect your claim.
