Did the city require you to purchase a separate and distinct license for each firm?
What is the license entitled?
What is the license entitled?
My recent car insurance renewal explicitly states that moving unrelated people for money is not covered.Lyft is coming here too so I may sign up with them as well. TBD.
According to Uber's info, they provide the driver with supplementary liability insurance while the driver is "active". All you need as an Uber driver is whatever insurance your state would normally require of any driver.
But according to my insurance company (Progressive), I need a commercial policy. The annual premium is $4,675. That can't be right.
I'm attending an Uber new driver orientation event today. Will see what they have to say.
Yeah, but auto insurance companies are excluding cars used for hire.Uber and Lyft drivers now have insurance options
Better not have a wreck just cruising about. Only 150k payable on personal injury, max 50k per person. I guess that includes you. Better have some additional personal cover for you and injured parties or you're toast in a good hit, your fault or not.
Did the city require you to purchase a separate and distinct license for each firm?
What is the license entitled?
To the OP: if you do decide to start driving, please keep in mind that people are paying you for a service. Be mindful of their safety, comfort, and privacy.
@saabfender
I would be doing this for coffee cash, not living expenses. I would only drive from about 11AM to 4PM M-F and only if I’m not busy with something else. I would not try to hook up with riders from the “bad” parts of town. My target would be 2 riders a day. I have an EV that costs next to nothing to operate on shorthauls.
I’m not doing it as a do or die life or death grind.
Now I’m sure if I do this long enough I’ll encounter the passenger from hell. I’m not a complete idiot.
I have a plan. Time will tell if it’s a good plan.
If someone backs into your parked car you're on your own. If the battery goes up in smoke you're on your own. If you hit the accelerator instead of the brake when parking and crash through Starbucks window it's you v Starbucks.So there’s this insurance thing with ridesharing referred to sometimes as the TNC insurance gap.
If you as a driver login to the driver app, and toggle on the “I’m available to drive” switch, and you’re cruising around waiting for a ping from a prospective passenger, you’re in an insurance gray zone during the time before you receive AND accept a ride request. If you’re involved in an accident during that period, your personal insurance can (and probably will) claim you’re not covered. And the coverage under Uber and Lyft is very minimal during that time. Good coverage from the ridesharing company doesn’t kick in until you as the driver accept the ride request. Full coverage kicks in when you actually pick up the rider.
Why would you care? Because if you’re in an accident during that gray zone period, you have very minimal coverage in case of a lawsuit.
Suppose I park at Starbucks and order a latte and sit inside and turn on the I’m Available To Drive switch. I’m not in my car. I receive and accept a rider ping. Now I get in my car and start driving to pick up my rider. Have I avoided the insurance gap?
Much to learn.
Evil knows no boundaries. You can encounter trouble in the sticks just as easily as in what you perceive to be the "bad" part of town.
If someone backs into your parked car you're on your own. If the battery goes up in smoke you're on your own. If you hit the accelerator instead of the brake when parking and crash through Starbucks window it's you v Starbucks.