Do I Need Insurance for Uber Eats in New York?

Yes. Uber requires valid personal auto insurance meeting New York’s minimum requirements. Food delivery follows different rules from passenger rideshare, and Uber’s current delivery cover does not repair your car. Confirm which policy covers each work stage before buying any extra endorsement.

Food Delivery Has Its Own Insurance Rules

A Food Order Is Not a Passenger Trip

You need valid personal auto insurance meeting New York’s compulsory requirements to deliver with an ordinary car, and you should tell the insurer that you deliver food for pay. Uber’s delivery page does not make an extra delivery endorsement a universal condition of signing up. Whether you need an endorsement, a different policy or additional limits depends on the cover already in force and the gaps in your actual work. The important distinction is between the minimum needed to register the car, the rules Uber publishes for couriers, and the insurance that will respond to a particular delivery accident. Those are related questions, but they do not have the same answer. ^13,¹⁷

Do Not Borrow Passenger TNC Limits

New York DFS explicitly says that a person delivering food or other goods is not a transportation network company driver under the passenger ridesharing definition. That means the familiar passenger rules—75/150/25 while waiting and $1.25 million during a prearranged passenger trip—do not establish the limits for an Uber Eats order. Nor does selecting Uber Eats establish that you need the passenger TNC licence category. A driver doing both services must keep the work separate: the passenger law and passenger policy matter when carrying passengers, while the delivery-specific documents matter for a food order. The same app branding does not merge those policies. ^3,^1,²

The TNC Exclusion Is Not a Food-Delivery Exclusion

DFS FAQ 31 makes a useful, narrower point about your own insurance. The insurer that issued the policy used to register the vehicle cannot deny a food-delivery claim on the passenger TNC exclusion discussed in that FAQ, because the delivery driver is not a TNC driver. DFS also says that a policy may exclude comprehensive and collision while the car delivers food or goods. Do not turn either statement into a blanket promise that every personal policy covers every courier claim. Ask the insurer to identify the precise coverage, endorsement or exclusion it relies on, and distinguish third-party liability from damage to your own car. ³

The Public Summary Is Not Your Issued Policy

Uber’s current delivery summary directs you to Account, then Insurance in the Driver app for the coverages and limits maintained in your state. The research here does not authenticate an individual New York delivery auto policy, its complete endorsements or the delivery agreement accepted by a particular courier. Uber’s October 12, 2026 general U.S. terms expressly preserve separate agreements governing delivery and other provider services; those general terms cannot substitute for your driver agreement. This is a specific document gap, rather than evidence that Uber has no delivery insurance. Use the public findings to ask targeted questions about the policy that actually covers your account and vehicle. ^13,¹⁶

What Uber Describes at Each Work Stage

Offline Driving Uses Your Own Insurance

When you are offline, Uber’s delivery page says that you are not covered by insurance it maintains for delivery. Your own policy is the starting point for a drive to a restaurant area, ordinary personal travel or a return home after logging off. An accident does not become a covered Uber delivery merely because the vehicle contains a delivery bag or you intended to earn later that day. Tell your insurer about the actual pattern of use, including other apps and personal mileage, and check the policy rather than assuming all travel near a delivery is treated alike. Keep the app-status evidence if the timing is disputed. ¹³

Online and Available Is a Different Period

For online-and-available time, Uber currently describes third-party liability up to at least the state’s minimum auto requirements, with possible additional cover depending on state law. It also says coverage depends on such factors as fault, app status and your personal policy. That description does not establish a New York delivery-specific dollar schedule or that Uber pays first in every waiting-period crash. Ask which insurer receives the claim, whether your own policy is primary and what evidence of its response is required. Do not insert the passenger waiting limit or an old national waiting-period table into the delivery answer. ^13,³

Accepted Delivery Liability Has a Qualified Public Limit

While en route to a pickup or on a delivery trip, Uber’s current national delivery page describes third-party property-damage and injury liability up to $500,000, or more where required. This is the current posted summary, not proof of a flat $1 million New York food-delivery policy. It concerns harm to other people when you are at fault, rather than repairs to your car or all of your lost earnings. The state-specific issued policy must settle the insured vehicle/driver, any other-insurance condition, applicable limit and event boundaries. Preserve the order acceptance, pickup, completion or cancellation times so the insurer can identify which period applies. ¹³

Passenger and Other-App Work Must Stay Separate

Uber expressly maintains separate policies for rides and deliveries, with coverage depending on the type of trip at that moment. If you also drive passengers, a food order cannot be evaluated solely against the passenger certificate. Likewise, an open Uber Eats app does not establish that its policy covers a DoorDash or other-platform order. Explain overlapping app status and any simultaneous accepted work to the insurers, and preserve each timeline. A multi-app checker can present the relevant findings side by side; it cannot add the liability limits together or decide a disputed priority question without the policies and facts. ¹³

Protect Your Own Car and Maintain Registration Insurance

New York’s Ordinary Liability Minimum Has Death Limits

For most vehicles, DMV lists at least $10,000 property-damage liability per crash, $25,000 bodily injury and $50,000 death for one person, and $50,000 bodily injury and $100,000 death for two or more people. Calling this simply 25/50/10 can hide the separate death amounts. These are compulsory ordinary-vehicle minima, not a recommended amount for every courier and not the Uber delivery policy schedule. Consider what an at-fault crash could cost beyond the minimum, especially if your vehicle is used frequently for paid work, and obtain actual available limits and prices rather than inferring that the statutory floor is enough for your circumstances. ¹⁷

Platform Cover Does Not Replace the Registration Policy

DMV requires New York-issued liability insurance from an appropriately licensed and DMV-certified insurer for a New York registration. Coverage must remain effective while the registration is valid, even if you are not using the vehicle, and the insurance and registration names must match. Carry or be able to generate the insurance ID card. Uber’s delivery summary is not a replacement registration policy, and a claim being investigated is not a reason to let your compulsory coverage lapse. If you change insurers, vehicles or named registrants, coordinate the actual effective dates and DMV proof before assuming that a platform account resolves the administrative requirements. ¹⁷

Uber’s Delivery Cover Does Not Repair Your Car

Uber’s current delivery page says that insurance it maintains does not pay for repairs to your car at any period of a delivery. This is a material difference from contingent passenger repair cover. Having personal comprehensive and collision does not by itself establish that a delivery loss is payable under those personal coverages: DFS specifically permits physical-damage exclusions for food/goods delivery. Check the policy’s permitted use and endorsement wording for waiting, pickup, loaded delivery and offline periods. A lender’s or lessor’s requirement to keep physical-damage cover also does not prove that the cover you bought includes paid delivery. ^13,³

Ask About the Losses That Keep You Off the Road

Ask for a written explanation of collision, theft and other comprehensive losses during delivery, the deductible, towing/storage, rental or replacement-car benefits and any lost-income cover. These are different items; a liability limit for damage you cause to somebody else does not answer them. Uber says some personal insurers may cover delivery automatically while others offer optional endorsements, but its examples are not an authenticated New York offer for your car. If your existing policy covers the use, establish which sections respond before purchasing duplicate protection. If it does not, compare an endorsement and an appropriate alternative policy with the same work, vehicles and drivers disclosed. ^13,³

A Covered Repair Claim Has New York Settlement Rules

Where your own comprehensive or collision policy covers the delivery loss, DFS describes Regulation 64 settlement standards. With the car available for inspection, the insurer generally must inspect and make a good-faith offer within six business days after loss notification and promptly provide a detailed written estimate. You retain the right to choose the repair shop. DFS also describes payment within five business days after an agreed settlement and a written explanation if settlement has not occurred within 30 days after notice. Keep the estimate, photographs, deductible, valuation and repair certification. These claim-handling rules help you question delay or valuation; they do not convert an excluded delivery loss into covered damage or promise that every investigation must finish in six days. ⁹

This Car Snapshot Does Not Establish Other Vehicle Cover

A borrowed car, rental vehicle, motorcycle, bicycle, e-bike or walking delivery needs its own analysis. Uber’s delivery FAQ says it does not maintain cover for bicycles, electric bikes or walking unless law requires it. That statement does not erase another insurer’s duties or establish the legal classification of a particular powered cycle. DMV separately explains motorcycle liability requirements. For a rental or borrowed car, check the owner’s policy, rental agreement, permitted delivery use and who is insured before relying on someone else’s insurance card. The ordinary owned-car findings in this checker are withheld for these different vehicle/ownership inputs. ^13,¹⁷

Your Injuries, No-Fault and Worker Benefits

Third-Party Liability Is Not Your Injury Benefit

Uber’s delivery auto summary says the described coverage does not pay for the courier’s own injuries, and its UM/UIM FAQ says that cover varies by state and time and is not maintained for delivery in every state. Neither statement establishes the complete New York first-party protection or removes compulsory legal rights. Identify personal injury protection, uninsured-motorist protection, any supplementary uninsured/underinsured cover and any applicable worker benefit separately. Ask which insurer receives each part of an injury claim. A large liability limit for a person you injure does not tell you who pays your own medical bills when you are injured. ^13,^18,⁵

Basic Economic Loss Is a Combined Benefit

New York Insurance Law §5102 defines basic economic loss up to $50,000 per person, combining eligible medical expenses, work loss and other qualifying expenses. Its work-loss provision has a $2,000 monthly limit for up to three years from the accident; other reasonable and necessary expenses have a $25-a-day limit for up to one year. The law also contains deductions and offsets, including a 20% deduction from lost earnings and amounts recoverable through workers’ compensation and certain other benefits. Those components are not three extra $50,000 funds. Eligibility, exclusions and the applicable policy still matter, so preserve treatment and income proof and identify any optional benefits actually purchased. ^4,⁵

The Mandatory Endorsement Defines Who Can Claim

Regulation 68’s ordinary-car endorsement describes eligible injured people, subject to exclusions and conditions: the named insured and relatives have specified protection arising from motor-vehicle use, while other people’s eligibility depends on the insured vehicle, location and occupancy. Its general territory includes the United States and Canada; motorcycle occupants have a distinct treatment. That is why you should identify the actual injured person, vehicle and insurer rather than assuming every app user or every delivery mode has identical PIP rights. The regulation permits different wording for passenger TNC policies, but those passenger footnotes are not an Uber Eats policy. The mandatory endorsement also states a separate $2,000 death benefit where its conditions are met. ⁵

No-Fault Has Its Own Notice and Proof Clocks

The mandatory no-fault endorsement in Regulation 68 generally calls for written accident notice within 30 days, medical-expense proof within 45 days after services are rendered, and work-loss or other-expense proof within 90 days after the loss is incurred or service rendered. It allows late compliance where clear and reasonable justification is provided. Do not wait for the app’s liability investigation to finish before contacting the potentially responsible no-fault insurer. Identify the policy, request the forms and document what you submitted and when. An app crash report, a police report and a no-fault application are different actions; completing one does not establish completion of the others. ^5,⁹

Uninsured-Motorist Protection Needs Its Own Check

Insurance Law §3420(f)(1) requires specified uninsured-motorist protection in applicable New York motor policies, including distinct injury and death limits and conditions for recovery. Supplementary uninsured/underinsured protection is a different issue addressed in §3420(f)(2) and related provisions. Do not translate the passenger TNC’s $1.25 million SUM requirement into an Uber Eats entitlement. Nor should a national statement that Uber lacks UM/UIM in some states be read as a finding that your own compulsory New York policy provides none. Ask for the applicable endorsement, insured-person definition, geographic scope, limits and claim/settlement conditions before releasing another driver or assuming a particular recovery. ^18,^3,¹³

A Food Order Does Not Establish Black Car Fund Eligibility

The New York Black Car Operators’ Injury Compensation Fund has a legal scope tied to covered black-car/passenger operations and qualifying TNC activity. The statutory TNC category does not include food/goods delivery. Merely delivering an Uber Eats order, or having used the same account for passenger work earlier, therefore does not establish Fund entitlement for the courier accident. A genuine overlap or separate covered operation requires its actual facts and legal category to be examined. Keep passenger and delivery records and ask the relevant benefit administrator which activity supports the claim instead of assuming that the Uber name alone brings every courier into the passenger Fund. ^6,^7,³

A Contract Label Does Not Decide Every Worker Benefit

The Workers’ Compensation Board says virtually all New York employers must provide workers’ compensation for their employees and separately explains independent-contractor classification. An app’s contractor label should not be treated as a final decision about your statutory status or a promise that you have occupational accident insurance. Conversely, a pay-rights rule or an unemployment-insurance classification explanation is not an award of workers’ compensation in a particular courier case. If an injury may be work-related, identify the employing or contracting entities, preserve the agreement and actual working arrangements, and raise eligibility with the Board or appropriate adviser rather than letting a label end the inquiry. ^19,²³

The Commercial-Goods Presumption Has a Vehicle Definition

The Board’s transportation guidance discusses a presumption of employment under the Commercial Goods Transportation Industry Fair Play Act. Labor Law §862-a ties the goods services to the commercial-motor-vehicle definition in Transportation Law §2(4-a). That definition includes a weight category of 10,001 pounds or more and specific passenger-capacity or placarded-hazardous-material categories. Being paid to deliver a restaurant meal does not, by itself, turn an ordinary light passenger car into that statutory commercial motor vehicle. Determine whether the Act actually applies before using its contractor test; other classification principles can still matter where it does not. An insurance-use description and this statutory vehicle definition serve different purposes. ^19,^20,²¹

Worker Claims Are Separate From App Support

Where you have a potential compensable workplace injury, the Board’s injured-worker toolkit describes prompt treatment, written notice to the employer generally within 30 days, and a formal Employee Claim (C-3), generally within two years. Those general instructions do not establish that every Uber Eats courier is covered, but they show why an app support ticket alone is not a completed worker claim. Preserve the accident location, work assignment, medical evidence, earnings and the identity of the entity for which you were working. Ask how any worker benefits coordinate with no-fault so that one claim’s uncertainty does not cause another claim’s notice to be overlooked. ^8,⁴

Optional Injury and Vehicle Interruption Products

Do Not Assume Optional Injury Enrollment Is Offered in New York

Uber links its national Optional Injury Protection program from the delivery page, but the current public availability list on the injury-program page does not include New York. Do not budget for that program as an available New York purchase or describe its advertised medical/disability/survivor benefits as automatically included with an Uber Eats account. This enrollment finding is not a determination about a claim by a driver enrolled elsewhere who later travels into New York. If you already have an occupational policy, use its certificate, eligibility and territory conditions. Personal no-fault, health coverage and any valid worker claim remain separate questions. ^13,²⁴

Interruption Cover Pays a Fixed Benefit, Not the Repair Bill

Uber advertises optional Vehicle Interruption Coverage for eligible drivers, with a $2,500 lump sum if a covered accident or theft during eligible work leaves the vehicle inoperable for at least 24 hours. Its public summary describes $0.031 per on-trip mile and no more than two claims in 12 months. Availability depends on actual eligibility and an enrollment option in the app; these public materials do not authenticate a particular New York courier’s offer or certificate. The cash may help with expenses, but the policy expressly is not auto liability and does not insure the vehicle damage itself, property damage or bodily injury. ^14,¹⁵

Read the Enrollment and Trip Trigger in the Actual Policy

The linked Illinois Union policy N11134993 001 is effective April 13, 2026 until canceled and contains a California surplus-lines notice. Its territory is the United States and its definitions expressly include delivery-network couriers, but insured status still requires opting in, qualifying and paying premium through the app. The driver must complete one trip after the coverage effective date before claiming. Eligible time runs from recorded acceptance/en-route travel through the defined completion or cancellation boundary. None of that proves your New York enrollment or substitutes for your certificate’s effective time. An accident while merely waiting for the next request is outside this product’s described work period. ^15,¹⁴

Interruption Cover Has Specific Exclusions and Claim Duties

The posted policy excludes, among other things, acts of nature, fire, mechanical breakdown not directly caused by an accident, windshield-only damage, cosmetic/non-disabling damage, another person driving and theft without a police report. It calls for claim notice through Chubb as soon as possible and no later than 30 days, a qualified repair estimate and evidence of the required inoperability; payment follows approval rather than the moment the car enters the shop. The second paid claim automatically ends participation, with a stated waiting period before re-enrollment. Those details make this a narrowly triggered optional benefit. They do not fill the ordinary waiting-period repair gap or create comprehensive insurance. ¹⁵

New York City Work and Earnings Records

NYC Delivery Rights Do Not Prove an Insurance Limit

NYC’s April 2026 restaurant-delivery notice expressly includes Uber and describes pay, route information, distance/bridge/tunnel preferences, access and protection against retaliation. Its worker-law FAQ addresses app-classified independent contractors and also warns that actual employee status depends on the relationship. These local rights should not be confused with passenger TLC insurance requirements or a new entitlement to a particular Uber auto policy. If a passenger vehicle is genuinely licensed for for-hire service or you also carry passengers, use that commercial/passenger analysis separately. A food delivery in New York City is not converted into a passenger trip by its pickup address. ^22,^23,³

Keep Pay Statements Before an Accident

NYC’s notice requires at least weekly earnings payment with a detailed pay statement, and its FAQ explains itemization of gross/net compensation and permissible deductions. Keep those statements alongside trip histories, work expenses and tax records. They can help document actual earnings if an insurer or benefit administrator asks for work-loss evidence, but the amount shown in an app is not itself the amount an injury policy must pay. Separate gross receipts, tips, expenses and days not worked. Minimum-pay complaints go through DCWP; an auto or no-fault insurer handles the applicable insurance claim. Neither process automatically resolves the other. ^22,^23,⁴

An Accepted Order and a Damaged Car Are Two Different Claims

Suppose you accept an Uber Eats order, drive to the restaurant and cause a crash that damages another vehicle and your own car. The accepted-delivery liability summary is relevant to the other vehicle; it does not create Uber-funded repairs for your car. Your own delivery-permitted physical-damage cover is the first repair question. If you are injured, identify no-fault and other applicable benefits separately. Optional interruption cover adds another question only if you were eligible, enrolled, past its initial-trip requirement and meet its event/inoperability conditions. A single crash can therefore produce several notifications without every policy paying or the advertised limits being added together. ^13,^5,¹⁵

What to Do After a Crash and Before Buying Cover

Report the Crash and Preserve the Work Timeline

Uber advises checking on everyone, contacting police/paramedics where injuries or damage require it, safely photographing the vehicles/location and collecting the other drivers’ contact and insurance details. In the Driver app, the Safety Toolkit’s blue shield leads to Report a crash; the resulting Crash Center can help identify the insurer and claim status. Its rental-car options are not an automatic promise to pay rental costs. Save the order and app records, accident time, messages, police number and each claim reference. Tell your own insurer promptly too, explaining paid food delivery and any other open or accepted app work accurately. ^13,⁹

DMV Reporting Is a Separate Duty

New York’s motorist-report instructions require an MV-104 generally within ten days for an in-state crash involving injury/death or more than $1,000 damage to any one person’s property. This is not a threshold based on the combined repair bills of everybody at the scene. Injury/death also requires immediate police notification under the DMV instructions. An Uber report or insurer claim does not replace the motorist’s applicable DMV filing. Keep a copy of the filed report and do not assume that the police report means you have completed your own reporting duty. Check the actual instructions if the owner, driver or accident circumstances differ. ^11,¹²

Ask Which Coverage and Clause Is Being Applied

If a claim is denied or delayed, request a written explanation identifying the insurer, policy, relevant work period and precise provision. For a food-delivery claim, DFS FAQ 31 is particularly useful if the explanation relies on the passenger TNC exclusion; it is not an answer to every possible physical-damage exclusion or coverage issue. For no-fault disputes, DFS explains complaint, court and arbitration routes and the documents needed. A DFS complaint does not itself compel payment of a genuinely disputed claim. Keep the notice, application, bills, earnings proof and insurer correspondence, and distinguish an insurance-benefit dispute from an app-account or pay dispute. ^3,^10,⁹

Buy for the Actual Gap You Need to Close

Before changing cover, ask your insurer or broker to map personal use, online waiting, accepted pickups, deliveries and other-app work against your actual policies. Identify compulsory liability/PIP/UM, any chosen higher limits, delivery-permitted car damage, deductibles and any optional interruption or occupational protection. Confirm the vehicle, drivers and ownership, and obtain the written endorsement or policy terms rather than relying solely on an insurance card or enrollment screen. The result may be confirmation of existing cover, an endorsement or a different policy. This checker helps organize those decisions; it does not bind insurance, authenticate your individual policy or decide a claim. ^13,^17,^5,^18,¹⁵

Research checked 2026-10-27. Amounts are USD in the U.S. and CAD in Canada.

Official platform rules, government legislation, regulators and insurer-issued documents support this checklist. Your actual policy, endorsements and operating location control. Platform service availability and local licensing are not confirmed by this guide.

Published by Spot, a commercial-insurance business owned by Tools for Enlightenment. This research uses public official sources and does not authenticate an individual policy, establish insured status, bind coverage or decide a claim. Editorial policy. Suggest a correction.

Sources

1
Vehicle and Traffic Law §1691 — TNC definitions
New York State Senate. §1691(1), (4) and (6): vehicle exclusions and trip start/end. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
2
Vehicle and Traffic Law §1693 — TNC financial responsibility
New York State Senate. §1693(1)–(9), (12)–(13): limits, group fallback, proof and city distinction. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
3
DFS — Transportation Network Company insurance FAQs
New York Department of Financial Services. FAQs 3–14, 17, 19–29 and 31: scope, cover, claims and delivery. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
4
Insurance Law §5102 — basic economic loss and first-party benefits
New York State Senate. §5102(a)–(b): combined basic loss, work loss and statutory deductions. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
5
DFS — Regulation 68, 11 NYCRR Part 65
New York Department of Financial Services. §65-1.1(d), printed pp.2–7: mandatory PIP, conditions, TNC footnotes and proof timing. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
6
Executive Law §160-cc — Black Car Fund definitions
New York State Senate. §160-cc(1)(a)–(b), (3)–(4): TNC trip/logged activity and covered services. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
7
Workers’ Compensation Law §2 — definitions
New York State Senate. §2(3)–(4): Fund employer and black-car-operator employee for this chapter. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
8
Workers’ Compensation Board — Injured Worker’s Toolkit
New York Workers’ Compensation Board. Treatment, 30-day notice, C-3 filing and two-year claim period. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
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DFS — Filing Claims Under Your Own Policy
New York Department of Financial Services. Accident/no-fault reporting and proof; Regulation 64 physical-damage settlement, six-business-day inspection/offer with available car, detailed estimate/shop choice, agreed payment and delay explanation. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
10
DFS — No-Fault Claims and Arbitration
New York Department of Financial Services. Court/complaint/arbitration options, AAA submission and limits of complaint powers. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
11
DMV — File a Motorist Crash Report
New York Department of Motor Vehicles. Injury/death, damage to any one person’s property, police and DMV filing. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
12
DMV — MV-104 Report of Motor Vehicle Crash, May 2025
New York Department of Motor Vehicles. Page 2 instructions: New York crash and qualified ten-day reporting duty. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
13
Uber — Current Insurance for Delivery Trips
Uber. Live delivery page: personal insurance, national waiting/accepted liability, state qualifications, own-car exclusion, non-car modes, separate passenger policies and crash reporting. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
14
Uber — Vehicle Interruption Coverage
Uber. Current all-FAQ live DOM;optional enrollment, price, trigger, limits, claims and actualpolicy link. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
15
Illinois Union — Uber Vehicle Interruption Coverage Policy
Illinois Union Insurance Company / Chubb. N11134993 001, April 13, 2026 until canceled; California surplus-lines notice; sections A–F, DNC/territory definitions, enrollment, claim duties and benefit limits. Does not establish individual New York enrollment.. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
16
Uber — U.S. General Terms, modified October 12, 2026
Uber. U.S. Terms modified October 12, 2026; preamble preserving driver/delivery agreements and section 9 Insurance. General terms are not the accepted delivery agreement.. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
17
New York DMV — Insurance Requirements
New York State Department of Motor Vehicles. Liability/death/property minima, continuing registration coverage, registrant names, ID cards and motorcycle distinction. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
18
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New York State Legislature. §3420(f)(1)–(2): compulsory uninsured-motorist protection, injury/death limits and supplementary cover; not a reviewed Uber delivery policy. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
19
Workers’ Compensation Board — Is Coverage Required?
New York State Workers’ Compensation Board. Current coverage introduction and expanded Independent contractor section; transportation/statutory vehicle scope and factual classification. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
20
New York Labor Law §862-a
New York State Legislature. §862-a(1), (3): commercial-goods contractor/services and reference to Transportation Law §2(4-a). Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
21
New York Transportation Law §2
New York State Legislature. §2(4-a): 10,001-pound, passenger-capacity and placarded-hazardous-material commercial-motor-vehicle categories. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
22
NYC — Restaurant Delivery Workers’ Notice of Rights
NYC Department of Consumer and Worker Protection. April 2026 restaurant-app notice; weekly itemized pay, route information/limits, access, no retaliation and DCWP complaint channel. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
23
NYC — Delivery Worker Laws FAQ
NYC Department of Consumer and Worker Protection. Worker/app definitions, restaurant delivery scope, employee classification qualification, trip/on-call pay methods, itemized statements and records. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.
24
Uber — Optional Injury Protection
Uber. Current public availability list omits New York; optional enrollment, separate program/state scope and underwriting disclosure. Accessed 2026-10-27. New York Uber Eats delivery in an ordinary owned passenger car. Other vehicles, commercial or passenger operations, individual insured status and enrollment are qualified separately. Public summaries and statutory duties do not authenticate the driver’s issued auto policy or accepted delivery agreement.

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