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This is why I'm with State Farm

Discussion in 'Insurance' started by Oscar Levant, Nov 15, 2016.

  1. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberSUV
    If this OP was with state farm, he would not be in this predicament:

    https://uberpeople.net/threads/i-got-inot-an-accident-help.118148/


    State farm covers you for uber app periods 1, 2, & 3 with a $500 deductible, regardless of Uber's policy.
    It's more expensive, but I'm driving a fairly new Camry, which is not cheap. I need to sleep at night.
     
  2. Blue uber

    Blue uber New Member

    Location:
    Burlington
    thanks for posting , I'm new , started Oct 28th. I need to get this, I'm currently with Gieco and this has been weighing heavy on my mind the last week.
     
    circle1 likes this.
  3. Aset

    Aset New Member

    Location:
    Atlanta
    Thanks for sharing!
     
    circle1 likes this.
  4. CrazyT

    CrazyT Well-Known Member

    Location:
    Maryland
    Driving:
    UberX
    Geico has a policy that covers uber as well. I have a $500 deductible and it covers all periods as well. On my 2016 Prius $218 a month including fee for breaking it into payments
     
    circle1 likes this.
  5. GrinsNgiggles

    GrinsNgiggles Well-Known Member

    Location:
    Dallas
    Is that premium just the rideshare portion or full coverage plus rideshare?
     

  6. The Ombudsman

    The Ombudsman Well-Known Member

    Location:
    Boulder, CO
    Driving:
    UberX
    I've been with State Farm 20 years and everything I read on the topic said that SF was ok with rideshare driving if it was under 50% of your total miles - and that they would drop your coverage if they learned you were driving for rideshares and exceeded that 50% mile limit.

    I just switched yesterday to another carrier to ensure I had the rideshare coverage.
     
    circle1 likes this.
  7. CrazyT

    CrazyT Well-Known Member

    Location:
    Maryland
    Driving:
    UberX
    Full coverage plus rideshare. Totally replaces personal insurance on the car.
     
    circle1 likes this.
  8. steveK2016

    steveK2016 Well-Known Member

    Location:
    Atlanta
    Driving:
    UberSELECT
    Did you go full/max coverage? I went well above state minimum but don't pay that much with Geico...
     
    circle1 likes this.
  9. Beur

    Beur Well-Known Member

    Location:
    The Sandbox
    Hmm, I'm with State Farm as well, but my policy deductible does not apply during periods 2 & 3, you might want to double check what your agent told you. If any damage happens during period 2 & 3 you'll be paying the Uber or Lyft deductible.
     
    circle1 likes this.
  10. CrazyT

    CrazyT Well-Known Member

    Location:
    Maryland
    Driving:
    UberX
    Yep I went max on it. I've been burned by in-insured drivers before when I carried a state minimum.
     
    circle1 likes this.
  11. Hunt to Eat

    Hunt to Eat Well-Known Member

    Location:
    Current universe
    Read through your Geico policy and look for a section that looks something like this...

    upload_2016-11-15_11-12-46.png
     
  12. GrinsNgiggles

    GrinsNgiggles Well-Known Member

    Location:
    Dallas
    That's not bad at all.
     
  13. observer

    observer Moderator Moderator

    Location:
    long beach
    I've wondered about this, maybe SFAgentKyleSFAgentKyle can clear it up for us.

    I don't like high deductibles.
     
    SFAgentKyle likes this.
  14. circle1

    circle1 Well-Known Member

    Location:
    Seattle
    What did Gieco say about your driving for Uber? [or . . . whoops?]
     
  15. circle1

    circle1 Well-Known Member

    Location:
    Seattle
    I believe you can get a different tailor-made policy for "Ride-hailing" contractor coverage.

    Somebody please correct me if I'm wrong . . .
     
  16. Hunt to Eat

    Hunt to Eat Well-Known Member

    Location:
    Current universe
    The point being, if your current policy contains a section like this, you're not insured to go out Ubering.
     
    circle1 likes this.
  17. circle1

    circle1 Well-Known Member

    Location:
    Seattle
    I see, you're reminding people they need the proper policy coverage.
     
  18. Hunt to Eat

    Hunt to Eat Well-Known Member

    Location:
    Current universe
    Exactly. If your policy lists no such exclusions, Uber away!
     
    circle1 likes this.
  19. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberSUV

    Section 6015A "Transportation Network Coverage" endorsement, etc, "while logged on"
    Makes no distinction between 1, 2, & 3 only that when you are online.
    the endorsement raises the monthly rate from normal full coverage by about $100 so Im' paying about $200 per month.

    The 50% applies to "time" or "mileage", and insurance laws in CA do not allow for TNC endorsements to apply to mileage. My average time on the app is about 50 - 60 hours per week, which is much less than 50% of total time.

    So, the question you ask yor agent is 'time' or 'mileage', and if it's time, get it in writing.
    I made my agent send me an email confirming that it's time only.

    My vehicle is covered for 1, 2, & 3 ( avaible, dispatched, transporting ) and regular car coverage when app is off. Agent sent me a PDF issued by SF so stating the above.
     
    SFAgentKyle likes this.
  20. SFAgentKyle

    SFAgentKyle Active Member Sponsor

    Location:
    California
    Correct that the State Farm deductible applies full time. You don't have to pay the higher deductibles from Uber or Lyft. You don't deal with them at all in regards to the repair of your vehicle
     
    observer likes this.

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