Uber Insurance Dallas TX
Uber may not be the safest choice when it comes to driving... Several entities including insurance companies, regulators, public officials and insurance professionals have been talking a lot lately about the public policy and insurance implications of so-called ride-sharing services offered by transportation network companies (TNCs), such as Uber, Lyft and the less popular – Sidecar. Fortunately, Swingle Collins agents are knowledgeable about the risk associated with ride share programs and can assist you in understanding Uber Insurance Dallas TX.
Before Uber was approved in Austin in 2014, city officials proposed but later rejected the idea of requiring drivers to provide evidence that their vehicle was protected by a commercial auto insurance policy. That would have been an excellent idea, because we believe your current personal auto insurance policy may not provide the protection you need while using your vehicle for ride-sharing services.
Your policy does not provide any coverage while your vehicle is being used to carry persons who are paying for the ride. Some policies exclude coverage while your vehicle "is being used as a public or livery conveyance" and others exclude coverage while it "is being used to carry persons for a fee." These exclusions apply to all the coverages on your policy -- liability, physical damage, medical payments and uninsured motorists -- and may apply even while you are just driving around with the TNC app open on your smart-phone, indicating you are available and ready to receive instructions from the TNC.
If you decide to sign up with Uber or another TNC, please contact your agent first so we can discuss these issues together. We can provide a quote for a commercial type of auto insurance policy that will provide the coverage you need.
Swingle, Collins & Associates specializes in personal auto property and casualty insurance coverage in Dallas, Southlake, Highland Park, and Plano. The descriptions of coverage listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for property and casualty insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.
The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverage, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.