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Uber Insurance in Troy and Piqua, OH

Do you drive an Uber? If so, it's time to start thinking about how well you're insured. Now, Uber itself has a ridesharing insurance policy, but it doesn't cover every risk you might be exposed to, and it could be changed at any time. Having your own policy means that you will always know what your coverage is and thus how to act accordingly.

In general, ridesharing insurance comes in two versions.

  • First, comprehensive coverage focuses on giving you all of the coverage you may need while providing rides to other people. This includes a comprehensive liability policy, bodily injury coverage, collision insurance, and related policy elements.
  • Supplemental coverage is different and focuses on filling in the gaps that a ridesharing service's insurance policy does not cover. For example, the ridesharing service may not cover a vehicle before that vehicle is matched to a rider—so if you're involved in a collision before you find someone to pick up, you'd need to use your own policy instead.

Both forms of coverage are viable options. If you're not sure which policy is best for you, talk to one of our agents about Uber insurance and discuss your options.

Uber Insurance Requirements

Most drivers who work with Uber or another ridesharing company can get this extra coverage. However, the way you interact with a ridesharing company may affect the type of coverage you're offered. When you speak with a Koverman Staley Dickerson Insurance Agency agent, it’s helpful to have the following information on hand:

  • History of Ridesharing: How experienced are you with ridesharing, and have you had any trouble in the past? Experienced drivers with few or no incidents may be able to get a better rate.
  • Frequency of Work: How often do you provide ridesharing services? Is it something you do on the weekends for some extra cash, or are you offering rides as a full-time job?
  • Type of Vehicle: What type of vehicle do you use, and more importantly, what are its safety ratings? Vehicles with an outstanding safety rating—particularly in parts of the vehicle where passengers are seated—may be easier to insure.

Other Things to Know About Ridesharing Insurance

Ridesharing is still a relatively new industry, and it's almost certainly going to continue changing over the next few years. Insurance policies will be changing with it, and factors like which company you partner with, how safe the rides are judged to be, and even how much the industry earns may affect your policy and your premiums.

The most important principles at this time are laid out in a policy paper adopted by the National Association of Insurance Commissioners, and drivers are encouraged to read this and familiarize themselves with concepts like "periods" (when each form of insurance applies), potential insurance requirements, and how much coverage is needed when providing ridesharing services. Koverman Staley Dickerson Insurance Agency agents are more than happy to meet with you to review and explain these principles.

For more information on ridesharing insurance, contact one of our agents.

 

1. "Ridesharing Insurance Policy." Uber Global. March 26, 2014. Accessed April 18, 2016. https://newsroom.uber.com/56463/.

2. "Sharing a Ride, But Not Insurance: Ridesharing Drivers May Face Insurance Coverage Gap." Consumer Alert. December 2015. Accessed April 18, 2016. http://www.naic.org/documents/consumer_alert_ridesharing_drivers.htm.

3. "Transportation Network Company Insurance Principles for Legislators and Regulators." National Association of Insurance Commissioners. March 31, 2015. Accessed April 18, 2016. http://www.naic.org/documents/committees_c_sharing_econ_wg_exposure_adopted_tnc_white_paper_150331.pdf.

Our Locations

Troy Office (Main Location)

1106 W. Main St.
Troy, OH 45373
Main office: 937-315-4344
Toll free: 800-837-4119
Fax: 937-339-3916

Piqua Office (Main Location)

500 N. Wayne St.
Piqua, OH 45356
Main office: 937-317-4187
Fax: 937-773-1738

Covington Office

16 E. Wright St.
Covington, OH 45318
Main office: 937-528-1095
Fax: 937-473-0331

New Carlisle Office

128 N. Main St.
New Carlisle, OH 45344
Main office: 937-401-8873
Fax: 937-845-3598

Tipp City Office

5860 Suite D. S. Co. Rd. 25A
Tipp City, OH 45371
Main office: 937-506-8496

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Testimonials

It was January 26, Carla’s birthday. While visiting her mother that day, in Dublin, Ohio, she got a call that our home was on fire. When she arrived home, an hour and a half later, the firemen were still there and so was our insurance agent, Joe Dickerson. Joe was nothing but comforting and supportive that day, as was our whole experience with Koverman Dickerson Insurance. As we would never have known what to do next, Joe had already started the process of restoration. Within hours Chris Morgan of Cincinnati Insurance and Mike Stacy of Airway Construction and Restoration were at the house assessing the damage, sealing off the roof (snowy, 19 degrees) and working late into the night to make sure the house was secure before they left the property. Everyone was prompt, thorough, and followed through until our home was restored in excellent condition. Through the whole process we never worried about our living arrangements, our house, or our property. All of the payments were made to all parties involved in the restoration process in a very timely manner. Even though this was a difficult experience, Joe Dickerson, the Koverman Dickerson family, Cincinnati Insurance, and Airway Construction have provided comfort, support, and wonderful service.

Carla and Gary Wilber - Wilber Fire
The staff at Koverman Staley Dickerson Insurance have always taken care of my insurance needs. They have advised me on how to best protect my family, home, business and employees. I appreciate having a local agent who I can talk to face to face when I have questions. I know them, I trust them and they work hard for me.

Vic Haddad - Trojan Auto Care
Here at Milcon Concrete, we have been a client of Koverman Dickerson Insurance since 1995 and have been very satisfied with their service. We have found them to be very customer driven and helped us expand our business by over 50%. In the construction industry it is very important to have an insurance agent that understands the business and reacts to the ever changing environment. Koverman Dickerson has proven to be a great partner over the years and I would recommend them to anyone. It is hard to find companies that respond to your needs with as much diligence and care as they do.

Mark Miller - Milcon Concrete