Insurance Policy

The subject of insurance can be a complicated one, but it’s important that you know how and when our policies cover Wingz’ Client-Drivers and your passengers in the event of an incident. The following is an overview of how our insurance policies work. There are two coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you start a ride until the time the ride has ended in the app).

  • Primary Automobile Liability

  • Uninsured/Underinsured Motorist (UM/UIM)

If you're carrying a TNC endorsed policy or a commercial policy, our insurance is excess.

What is the process for reporting an accident?

Please report any accidents to our Driver Support Team by calling 1-888-231-8124. Please provide proof of your personal insurance to the relevant parties at the scene of an accident.

How does Wingz' liability coverage work?

Driver mode off:

Your personal insurance is your insurance policy.

Ride begins and through the end of ride:

Our primary liability insurance is designed to act as the primary coverage during the period from the time you begin a ride request until the time the ride has ended in the app. The policy has a $1,000,000 or $1,500,000 per accident limit depending on market requirements (please see your market COI for more information). Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), Wingz’ policy will continue to be excess to any applicable insurance coverage.

What does UM/UIM mean and how does this coverage work?

UM stands for uninsured motorist and UIM stands for underinsured motorist. In the event of an accident (once you have accepted a ride and are transporting a passenger) with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you or your passengers, our UM/UIM coverage will apply up to $1M per accident. There is no deductible on UM/UIM claims.

When do these coverages apply?

These coverages are in effect beginning when you’ve activated the application to start a passenger ride and are on your way to pick the passenger up. They continue while you’re giving a ride to a passenger and until the passenger exits your vehicle and you end the ride in the app.

 What states are covered by this policy?

Our policy is available in all states in the U.S. Some regions may have specific requirements that modify the described coverage.

Reporting an Accident, Safety Incident or Citation

If you experience an accident, an issue which threatens your personal safety, or receive a citation, make sure to take the appropriate steps to protect yourself and get to a safe place. If necessary, call the authorities by dialing 911 or your local non-emergency assistance line, and then call our Driver Support Staff at 1-888-231-8124.  We're available 24 hours a day, 7 days a week.

In regard to citations and tickets, keep in mind that we will not be able to assist with tickets incurred outside of the Wingz platform, or due to violating standard traffic laws.

Please follow these steps when reporting an accident.

View Wingz' Insurance Policy:

Please contact Wingz’ Driver Support Team for a copy of Wingz’ insurance policy and the COI for the Airport that you will be providing rides to: or Driver Support Staff at (888) 231-8124.