Does Uber Eats cover accidents

Does Uber Eats cover accidents?
With more than 70,000 delivery workers on the streets of NYC and 80% of them using regular or e-bikes traffic. According to the Washington Post article, e-bike delivery workers face significant risks, especially from traffic injuries.

Every week, riders share stories of minor injuries, dangerous situations, and even serious accidents.

In 2025, food delivery remains one of the most flexible and accessible ways to earn money in cities like New York, Los Angeles, and Chicago. However, this flexibility comes with risks, particularly for cyclists and e-bike riders, who often operate in a “gray area” when it comes to insurance coverage.

While car drivers typically have more protection, coverage for e-bike and bicycle riders is limited or unclear.

Whether you’re new to delivery or a seasoned pro, it’s crucial to understand what is covered, what isn’t, and how to protect yourself before and after an accident. Here’s what happens if you get hurt as an Uber Eats delivery rider, and what steps you can take to stay safe and secure on the job.

Does Uber Eats cover accidents?

The short answer is yes, but the coverage is limited. It all depends on:

• Have you been online or on order?
• What type of transport did you use (auto vs. bike or electric bike)?
• Your location and legislation

Car vs. Bicycle/Electric Bike

• Auto: If you were online or making an order, you can count on Uber car insurance.
• Bicycles/Electric Bikes: Uber does not provide personal insurance coverage. Delivery riders are considered independent contractors, and insurance is not automatically included.

However, Uber offers:

• Civil liability insurance covers damage to third parties if you are at fault.

The full terms and conditions are listed on the official Uber insurance page.

What does Uber Eats cover in the event of a bike or electric bike accident?

If you use a bike or e-bike, Uber does not directly cover your injuries. But:

• You can still receive civil liability protection (if you have harmed a third party).
• Coverage depends on local laws and the circumstances of the accident.

An example from reality

In Canada, a delivery rider received more than $1 million in compensation after a serious accident on an e-bike. This case has become a precedent and an example for delivery riders defending their rights.

What to do after an accident: Step-by-step guide

1. Make sure you're safe.
2. Call 911 if anyone is hurt.
3. Report the incident to Uber through the Help section (instructions can be found here).
4. Take photos of the accident site, vehicles, damage, and numbers.
5. Write down the information of the witnesses and other participants.
6. Seek medical help immediately and do not ignore any symptoms you may experience!
7. Ensure that all documents and receipts are retained.
8. Notify your e-bike rental, such as Whizz, if you are using a rental.
9. Consult a lawyer if the damage is serious.

Would it be possible to sue Uber Eats?

Yes, in some cases:

• You were injured during your shift.
• Uber refused to support you, despite your activity.
• A third party caused the accident.
• You suffered serious injury or financial loss.

The outcome depends on the laws of your state and your status as an independent contractor. In severe cases, class action lawsuits with other delivery riders are possible.

How to prevent delivery accidents

According to Intrepid Direct:

Basic tips

• Avoid sudden acceleration and deceleration.
• Do not use your phone in motion — use the phone holder.
• Check the brakes, lights, and tire pressure before each shift.
• Wear reflective elements.
• Plan your route in advance, especially during rush hours.

Additional measures

• Do not overload your backpack.
• Take into account the weather conditions.
• Fasten your bike even during short stops.
• Pass the inspection, especially when renting an e-bike.
• Participate in webinars and security trainings.

Alternative sources of protection

Uber insurance is not always enough. Consider:

• Private accident insurance (for example, Riders Insurance)
• Bike rental services like Whizz, with protection from breakdowns and theft
• Unions for delivery riders
• Discounts from third-party companies on insurance for gig workers
• Security checklists before each shift

Read Also: Does Uber Eats acceptance rate matter

Conclusion

So — does Uber Eats cover accidents?

Partly. Car drivers are more protected. Bike riders face less protection. Therefore, it is important:

• Know your rights.
• Use serviceable and reliable equipment.
• Insure yourself with additional insurance.

If in doubt, document everything, act quickly, and protect your health and income.

Working in delivery gives you freedom — but also risk. Be prepared and careful, and take care of yourself on the road.

Each shift should be not only profitable but also safe.

And remember: delivery riders who plan ahead are calmer, more confident, and more stable in earnings. Knowing what to do in case of a fall or a serious accident can save you money and health.

Your bike, your body, and your time are the most valuable resources. Treat them carefully, and don't wait until something goes wrong to start thinking about protection.

Stay informed. Drive wisely with our e-bike.