Uber Insurance in Spokane WA & Spokane Valley WA

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 North Town Insurance 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. North Town Insurance 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 Location

North Town Insurance

5727 N Division
Spokane, WA 99208
Main office: 509-483-3030
Fax: 509-487-8355

Our Providers

Testimonials

This office has great customer service. Great people, great customer care

Jan A.
Five Stars! Always friendly and ready to help.

Stephanie C.
Great people and services. Very helpful and informational about their policies and what they can do for their customers. I would totally recommend!

Christina M.
I would like to start by saying although my agent is my daughter, I would expect the same level of educated professionalism from anybody servicing my policy. She got a great rate for our business and we hang her sign proudly in the brewery.

Hopped Up Brewing
I switched my auto insurance policy to North Town Insurance with Amanda Ewan as my agent over a year ago. I am VERY happy with my decision. Amanda has outstanding people skills. I can feel her smile across the phone which brightens my day. She puts my needs first. I am always able to get a hold of her when I need her. I appreciate her honesty. Knowing she has an eye on my insurance needs helps me to relax.

Joyce A.
Matt Paulson is a great friend and a awesome insurance agent he has saved me on my car insurance, renters insurance, 4wheeler insurance, and now i will be signing my life insurance with him. If you think you might be paying to much for insurance and want a to see if you can save money call Matt at northtown insurance company.

Sharell F.
I work for Progressive Insurance. I have had a few customers that have bought policies from Matt and I have had customers that work with your agency. I am glad that you guys are giving customers what they need rather than what is the most "cost effective". It makes my job much more easy if the customer has the correct policy to make them "whole" again. If the policy is not sufficient, the customer usually has a bad outcome.

Tim - Progressive Insurance