Get Ride Share Insurance people.

UberIsAllFubared

Well-Known Member
Its just not worth driving uber with the possibility of your insurance finding out you do, or being in an accident, and your insurance finds out you were driving uber. Its call full disclosure and if you don't, your insurance can drop you, and you will never be able to get insurance again. Is it really worth it.

Most ride share insurances will be between 10%-20% more than your current policy. Farmers and Mercury offer ride share insurance in california. There is metro miles, but I don't know anything about that. Protect yourself and your peace of mind.
 

Aceman 5.0

New Member
I have Metromile. They have a partnership with Uber. You get charged per mile but the cool part is that when you are driving for Uber, they don't charge you for that. If you are on stage 2 or 3 ( on your way to pick up a passenger or have already picked up a passenger) then those miles don't count towards your bill. It's pretty straight forward and cheaper. I now have more coverage, a lower deductible and I pay less.
Your car just needs to have an OBD 2 port so you can plug in their module that sends them info about your car.
 

casino777

Well-Known Member
I still don't understand the rideshare insurance thing. I've talk to two people that had it that got into a accident and they said they went back in forth with Uber telling them speak to the insurance and vice versa. Sometimes it feels like a scam just like health insurance.
 

Old Smokey

Well-Known Member
Lesson learned :| I'll be looking into new insurance tomorrow.
I have Farmers, when I was at my agents office she told me that they have changed from 15 months ago. Where she was able to issue a policy immediately, now is taking a week to process.
 

jaywaynedubya

Well-Known Member
Yeah, I have rideshare insurance on one of my vehicles but not on the others. One is a 10 year old prius with 300k miles, which is my main uber vehicle, i could careless about the car.

Rate of accidents for Uber Drivers is about once every 40-50k miles. So, a little more than once a year.
 

uberalles60

Well-Known Member
I'm just curious, but in California you are covered under Uber insurance (James River) during Stage 1, 2 and 3. So why and how would it have an effect on your regular insurance policy? As soon as you log on to the Uber app you are covered under their policy.
 

Old Smokey

Well-Known Member
I'm just curious, but in California you are covered under Uber insurance (James River) during Stage 1, 2 and 3. So why and how would it have an effect on your regular insurance policy? As soon as you log on to the Uber app you are covered under their policy.
You are not covered by James River till you accept a fare and are enroute to or have a passenger in your car. You need the gap insurance to cover you while you are waiting to get a fare. Because ALL PERSONAL CAR INSURANCE POLICIES exclude commercial use, your policy is basically not going to pay if you are in a accident.
 

LA Dispatcher

Well-Known Member
All you technically need is minimal liability and Uber covers the rest required by law. If you finance a vehicle, you are going to need to fill the gap since Uber only provides liability for that gap. Rideshare insurance is between you and your insurance company since Uber covers the commercial insurance requirements mandated by law.
 

haji

Well-Known Member
Its just not worth driving uber with the possibility of your insurance finding out you do, or being in an accident, and your insurance finds out you were driving uber. Its call full disclosure and if you don't, your insurance can drop you, and you will never be able to get insurance again. Is it really worth it.

Most ride share insurances will be between 10%-20% more than your current policy. Farmers and Mercury offer ride share insurance in california. There is metro miles, but I don't know anything about that. Protect yourself and your peace of mind.
Farmers rideshare insurance is BS, the quoted me 400.00 a month. More than a real commercial insurance. The commercial insurance I had before 2012 and 2013 I was paying 300.00 a month.
 

boonie

Member
the uber rep told me you don't need its that's a scam! you want it pay more on insurance? for 90 cents? LOL good for y'all not me buddy....
 
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