Quickly – what do all of the following movies have in common:
Carry On Cabby (1963)
Taxi Driver (1976)
If you said “they all are about cabs and/or cab drivers” you wouldn’t be wrong. BUT, a more complete answer might very well be, “they all are about a disappearing occupation.” For, like lamplighters and ice men, cabbies and cab companies may soon be a thing of the past thanks to TNCs – Transportation Network Companies. And, if you are one of the thousands of individuals who makes a few extra bucks driving for UBER or one of their competitors, or are thinking about doing so, you need to be acutely aware of BEING AN UBER DRIVER AND YOUR PEORIA, ARIZONA AUTO INSURANCE.
“What many people don’t realize,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “is the fact that their personal car insurance may very well NOT protect them in the event that they have an accident with a ‘passenger’ in their car.”
If you are already engaged in this driving activity, or soon intend to be, you need to contact a trustworthy Insurance Broker and see what kind of coverage he can best find for you. Many companies, in fact, have a “Hybrid Policy” that will cover both your personal use of the car and the “ride share” use.
“One of the things you will want to be sure to check on,” Bivona advised sagely, “is whether or not the coverage you obtain will be putting any mileage restrictions on your car’s use. This might be a most advantageous situation to you if you are NOT using ride-sharing as your full time form of employment. You may discover that you will need a Commercial Auto Policy. If you do acquire a Commercial Auto Policy, make sure that it will also cover personal use of your vehicle!”
Some of the TNCs are making head-roads into providing their own Insurance Policies that will cover their drivers. These policies often take into consideration what “stage” of driving you are in:
- When you are “cruising,” waiting for a ride request.
- When you are on the way to pick up a passenger.
- When you are actually transporting someoneAs you can see, being aware of BEING AN UBER DRIVER AND YOUR PEORIA, ARIZONA AUTO INSURANCE, certainly is not something you want to ignore if you do, in fact, intend to use your car to transport strangers for money! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.
- To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.