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Uber Insurance in Campbell, CA and San Jose, CA

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 Coverage Plus 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. Coverage Plus 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 Location

Coverage Plus Insurance Agency

750 E McGlincy Lane, Suite 109
Campbell, CA 95008
Main office: 408-728-8380
Fax: 408-626-7676

Our Providers

Testimonials

I have been using the Coverage Plus Insurance Agency, where Chris is the owner and broker. He is very knowledgeable and knows the insurance market well. Chris has always been recommending the best possible product for my situation, finding a great balance maximizing coverage and minimizing cost, without compromising integrity. Chris recommended an insurance company that puts the customer first, provide excellent service at a reasonable price AND is financially viable, which is very important these days. I would definitely recommend Chris and the Coverage Plus Insurance Agency for your insurance needs.

Jesper S
The first time Chris surprised me was when he achieved the unthinkable: obtaining reasonable cover at very affordable prices when I first moved to the US and had virtually no credit and driving history here (apparently, having driven for 25 years+ does not count). Not content with that, he managed to improve coverage, at lower rates, as soon as was feasible – despite my having previously believed that “affordable coverage” and “Porsche” would never go into the same sentence. Ever since, I’ve been assisted very promptly whenever I had a query / claim, and he’s definitely succeeded in making me feel like I’m his only client – which I very much trust not to be the case, as I wish him and Coverage Plus every success.

Marco M
After exhausting research and numerous phone calls with auto insurance companies, I was referred to Chris’s services by a friend. I got an email from Chris requesting a few details about myself and the car I needed insurance for, and shortly after replying to it, I received a very well priced quote with full coverage. With a few customizations I was able to get an awesome deal for literally half the price I was paying at the moment, I immediately called my current company and cancelled and switched to the policy Chris suggested. All of this was done over email within a few hours, I truly enjoyed doing business with Chris and definitely recommend anyone looking for a fast and easy way to get the best deals in auto insurance.

Nikhil I
Chris has taken care of all of my insurance needs for many years now. He is extremely knowledgeable and always considers the overall scenario before recommending a policy. My company switched to his recommendations on Corporate policies and we have saved quite a bit in premiums. I have referred Chris to clients many times and the result is consistent, Chris did a great job for us. I can recommend Chris without reservation.

Rick S
Chris works incredibly hard, is always available and consistently responded to me faster than anyone else I contacted. He is knowledgeable and optimizes cost and all factors. I have taken 3 policies from him in one year of knowing him.

Parnian K
I have known Chris Robinson for over ten years. He is a true professional. I would recommend Chris for any business endeavor that requires trust, character and integrity. I consider him a valued member of my business network as well as a dear and valued friend.

Scott M
I have been one of your clients for one year now. I am writing you to express my appreciation for outstanding customer service Nora has always provided me during this time: Always prompt, courteous and extremely professional. As I was in corporate sales for over 25 years (Cisco, Google, etc), I appreciate and value the high quality service your organization provides. I am sure Nora's efficiency is a direct reflection of your leadership, so Congratulations Chris! You guys can certainly count on me as a loyal and appreciative client.

Paulo Duarte