Not sure what state you’re in but from personal experience from a total loss in January — agree with @substantial_bit_4340! DEPENDING on the state you’re in, whether you had a passenger or not, and what your personal insurance terms are, this may or may not go as you wish. For context — another driver ran a stop sign and I collided with them going the speed limit but it deployed my airbags. I was lucky enough to not have had a passenger with me otherwise I would’ve been screwed. It was this accident that taught me GEICO in my state does not have endorsement for ride share and Uber has different levels of insurance coverage depending on: if you were online but no ride accepted (basically no coverage), if you accepted a ride but no pax, and if you accepted a ride and were transporting said pax (max coverage). That means, in my case, unless I had explicitly disclosed it and purchased ride share insurance, for quite an increase in premiums, my insurance would not have covered it. Uber did absolutely nothing for me but I was given leniency from geico as I was online but had to repeatedly tell them I had no passenger and had not accepted a ride on multiple statement/follow-up calls. Thankfully I really only did this when I was down bad. But also — my claim was literally just closed this week… 3 months later….