Insurance options in Portland, OR
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Portland "Ubering" is about to take a drastic change. Be prepared to purchase 1 million in commercial coverage (the same as cabs). The city council isn't accepting Uber's "rideshare" insurance model.
As for hybrid policies in Oregon for "rideshare?" Not according to the head insurance dude. By next year, there will be a State Law that all "rideshare" drivers must carry the same level as cabs and towncars.
As for hybrid policies in Oregon for "rideshare?" Not according to the head insurance dude. By next year, there will be a State Law that all "rideshare" drivers must carry the same level as cabs and towncars.
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Metromile offers coverage in Oregon. Research them carefully to see what is and is not covered.
https://c.getsatisfaction.com/metromile/categories/metromile_oregon_insurance
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This is law in Washington already. Uber foots the bill.
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App on to app off in California BUT doesn't cover driver or car.
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No they (Uber) don't. Portland will be requiring Uber (all "rideshare" ) drivers to carry full time commercial insurance. By next year it will be State law in Oregon.
Commercial coverage will be required...even in period one. At least two cabs have been hit by Uber drivers in Portland. In both cases, the drivers insurance was cancelled.
It'll be easy enough to get. Just buy the same policy as any Towncar uses. Piece of cake....other than the extra 500....800 bucks a month.
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Same law was implemented in WA. Portland is copying the law. Uber paid for the insurance. Even in period one. Just wait, let's place bets, and I'll be right. How much money would you like to give me?
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Portland isn't copying anyone. They're going to require "rideshare" drivers to have the same 1 million in commercial coverage as cabs and Towncar , no matter if your "Ubering," or not. If Uber was going to pick up the tab, the drivers wouldn't be crying about it. Even the Uber rep was complaining about it. Claimed it would be to hard on the drivers.
So Uber is flipping the bill for full time commercial coverage 24/7, are they. That sure explains why Washington drivers are still asking what insurance companies will cover "rideshare."
You actually expect Uber to pay for 24/7 a bunch of part time drivers?
Portland has tossed in the trash the term "rideshare." Uber and Lyft are (now) officially known as an "Unbranded Taxi service."
Because I haven't been able to find it, please direct me to where Uber says they'll pay for the FULL TIME 1 million dollar commercial policy?
Thank you.
Edit:
"If a driver's personal insurance policy does not cover an accident when the driver is logged onto the app but not carrying a passenger, Uber will provide contingent coverage that
would pay up to $50,000 for injury to one person, $100,000 for injuries to all persons and $25,000 for property damage."
Only 50 grand is what it covers. Portland is going to be setting it the same as other livery services, $1 million. Broadway cab has 2 million, but they have an account with Tr-Met, which made them step up their coverage.
One of our city council members had a spouse killed by an uninsured/underinsured driver. They won't accept 50 grand.
Also...this isn't complete coverage. They want them carrying a 1 million policy..regardless of app-on, app-off. Just like a Towncar carries full time commercial insurance, "rideshare" will as well.
That's what happens when you turn "ridesharing" into a 24/7 unbranded livery service. Uber drivers are hauling azz down I-84 and other streets to hussle back to their favorite spot (many are ex-cabbies. They know where the most orders come from). In a cab, you can mark into a zone (unless you have GPS dispatching turned on) and gradually drive there. With GPS, you gotta hustle back to the hot spot for your next "ping" to PDX, Nike, Intel or wherever.
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Don't listen to phillipzx3. I'm fairly sure he is a taxi union misinformationist. All he does is spread hearsay as fear in this group and doesn't actually contribute anything useful. Sorry you lost 47% of your income dude, but seriously, find a new job if you can't hack it anymore. Pun intended. Also, you're a real POS of a human being for doing this, and if this is the type of person you are professionally and in real life, I can see why you make no money.
To the original poster: Talk to your insurance agent and see what they have to say. If there are any questions or problems you an talk to my agent, who is well aware of the fact that I rideshare and has me covered legally.
To the original poster: Talk to your insurance agent and see what they have to say. If there are any questions or problems you an talk to my agent, who is well aware of the fact that I rideshare and has me covered legally.
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Taxi Union? What is this Taxi Union you speak of? Go on Geico's (or ANY insurance company's) website and try to get "rideshare" insurance anywhere in Oregon. Here's what you'll get, "We're sorry. We are unable to complete your application because we do not have a product available for this type of risk in your location."
In other words, YOU CAN NOT GET A PRIVATE POLICY TO COVER RIDESHARE IN OREGON!! Are you dense, or what? If you drive in Oregon, and you leave your Goober sticker in the window while you haul ass back downtown (because we all know how "active" the TNC lot isn't (yawn...go back to sleep while 15 cabs for every Uber gets a trip @ a proper wage vs. your...whatever Uber pays non-surge these days), you're either a fool or a noob Uber/Lyft driver who drank Brooks tea at the City Hall meetings. If a Goober driver gets in a wreck in Portland, what's the FIRST thing they're going to do? I'll tell you..
1. Yank the Goober/Lyft sticker out of the window.
2. Turn off the Goober/Lyft app.
Now, try to deny it.
What you CAN get, is a commercial policy (like towncars, PDX shuttles, etc) have.
Uber is like a fly that hovers around one's picnic table hoping for a free ride. Once you get proper insurance coverage, get back to me about how profitable your "rideshare" business is. ;-) Enjoy your extra 500-800 a month coverage cost. But if you're really lucky, Goober will pick up the tab and then you'll only give up 50% on each dollar you make. Yup...you're a real mentor for an upcoming driver.
As for a new job...I find it interesting someone that needs a part time "rideshare" job, offer me advice on work. Apparently your "regular" job of flipping burgers doesn't pay so well, so you "Goober" on the side? Am I right? ;-)
BTW, my "hearsay" was the 5 council members agreeing that Goober and Lyft need FULL TIME commercial insurance. And that would be $1 million in coverage...just like the cabs. The exception being Broadway. They have a $2 million policy (something about their contract with Tri-Met).
An agent can, and will, say anything to get you to buy their policy. They're like car salesmen. Post your insurance agency name, and who claims they'll cover you in Oregon doing "rideshare." I'd sure like to know. Oregon auto insurance company's know there's about to be a State law that forbids personal insurance "rideshare" coverage. That's why they won't do anything. You can get Metromile in Washington, but it's useless in Oregon. Farmers doesn't cover in Oregon. Geico won't. State Farm won't...None of them will unless you lie to the agent.
"Also, you're a real POS of a human being for doing this, and if this is the type of person you are professionally and in real life, I can see why you make no money."
I'm not sure what the hell I'm a "real POS of a human being for doing this", over. Except for maybe that I photograph every Uber car I see working in Portland (especially the Washington plated cars) , then forward that information to the city and state.
Also, you have no clue what I make. Do you always assume to know what you're talking about?
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For those that STILL don't believe me that your personal policy is of no good, no matter what YOU think or Uber has told you, from the horses mouth...the State of Oregon:
Source. http://www.oregon.gov/DCBS/insurance/news/Pages/2014/sept192014.aspx
"
The Department of Consumer and Business Services, Insurance Division advises Oregonians to consider their insurance needs when engaging in new apps and websites that facilitate car rides, vacation rentals, and other services - known as the "sharing economy."
"When a new industry emerges, it often creates unique insurance situations," said Insurance Commissioner Laura Cali. "Consumers should be aware that traditional insurance policies may not apply when participating in a new kind of business."
Examples include transportation networking companies (TNCs), such as Uber, Lyft, and Sidecar, that offer smartphone apps to help connect drivers and passengers as an alternative to taxis. Drivers who participate use their personal vehicles to transport passengers for a fee. Other companies, such as Airbnb, allow people to list and book properties for rent through its website.
Here is what you need to consider before participating in these new endeavors:
Drivers of TNCs
Personal insurance policies will not provide you with coverage if you drive for a TNC. Because you would be collecting a fee for driving another person, your personal insurance policy would not cover any damage or losses that occur. Before signing up to become a driver:
If any of you Uber/Lyft drivers happen to be unlucky enough to hit one of our cars, you *will* be sued. We've been hit by two already. Their insurance was cancel the instant the drivers agent found out. Those two drivers are never going to get insured again without paying a small fortune. Now...go get proper commercial insurance (like a town car, taxi, or airport shuttle operator must have) and go back to fighting among the 3000 of you for that next big "ping." With luck, it'll be a 2x surge. It's going to be State law by next year, so you might as well start shopping for your $1 million policy (it's what the city is going to recommend as well).
Then you can tell us, again, how much "cheaper" you are than a cab.
BTW...some of those Uber/Lyft cars out there are looking pretty ratty. You might want to ask your brethren to clean up their act a bit. Some of your cars are looking a bit, to use a stereotype.....cab like. ;-)
Source. http://www.oregon.gov/DCBS/insurance/news/Pages/2014/sept192014.aspx
"
The Department of Consumer and Business Services, Insurance Division advises Oregonians to consider their insurance needs when engaging in new apps and websites that facilitate car rides, vacation rentals, and other services - known as the "sharing economy."
"When a new industry emerges, it often creates unique insurance situations," said Insurance Commissioner Laura Cali. "Consumers should be aware that traditional insurance policies may not apply when participating in a new kind of business."
Examples include transportation networking companies (TNCs), such as Uber, Lyft, and Sidecar, that offer smartphone apps to help connect drivers and passengers as an alternative to taxis. Drivers who participate use their personal vehicles to transport passengers for a fee. Other companies, such as Airbnb, allow people to list and book properties for rent through its website.
Here is what you need to consider before participating in these new endeavors:
Drivers of TNCs
Personal insurance policies will not provide you with coverage if you drive for a TNC. Because you would be collecting a fee for driving another person, your personal insurance policy would not cover any damage or losses that occur. Before signing up to become a driver:
- Find out if the company has an insurance program. Make sure the commercial automobile insurance policy held by the TNC includes coverage for bodily injury and property damage to you and others before and during the time you are designated to drive passengers for payment.
- Review any agreement involving car-sharing or ridesharing. Seek legal counsel if needed.
- Call your insurance company or agent to discuss your options and whether you might want to consider a commercial insurance policy. "
If any of you Uber/Lyft drivers happen to be unlucky enough to hit one of our cars, you *will* be sued. We've been hit by two already. Their insurance was cancel the instant the drivers agent found out. Those two drivers are never going to get insured again without paying a small fortune. Now...go get proper commercial insurance (like a town car, taxi, or airport shuttle operator must have) and go back to fighting among the 3000 of you for that next big "ping." With luck, it'll be a 2x surge. It's going to be State law by next year, so you might as well start shopping for your $1 million policy (it's what the city is going to recommend as well).
Then you can tell us, again, how much "cheaper" you are than a cab.
BTW...some of those Uber/Lyft cars out there are looking pretty ratty. You might want to ask your brethren to clean up their act a bit. Some of your cars are looking a bit, to use a stereotype.....cab like. ;-)
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Three more Uber drivers are going to court for driving without commercial insurance in Portland. Keep it up boys. Uber is disowning you the instant you have a wreck.
You can lead a horse to water, but you can't force it to drink.
You can lead a horse to water, but you can't force it to drink.
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New body count. 4 Uber crashes. 4 Uber drivers ticketed for driving without proper insurance.
Keep it up.
Oh....and for the Uber driver picking up at the Monaco Hotel that doesn't know if his Geico policy will cover him....ask your agent. His answer (for Oregon) will be, "No!".
Keep it up.
Oh....and for the Uber driver picking up at the Monaco Hotel that doesn't know if his Geico policy will cover him....ask your agent. His answer (for Oregon) will be, "No!".
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Opps.... Still think you're covered while driving "rideshare" in Oregon? Think again. Hope you guys are setting aside some lawsuit money. Like I said, you get in a wreck in Portland, it's going to cost you a grip of cash. I can't disclose the amount the other 4 drivers are being sued for. But they're in a heap of financial trouble.
Uber on.
http://www.oregonlive.com/commuting...clist_sues_after_uber_privat.html#incart_2box
Uber on.
http://www.oregonlive.com/commuting...clist_sues_after_uber_privat.html#incart_2box
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Pay No Attention To Phillipzx3 You DO have 1 Million Dollars worth of Insurance. Contact Uber and talk to their Reps. Call your Insurance Agent and ask him about coverage. DO NOT PAY ATTENTION TO PHILLIPZX3.
I've already done all of this, Uber On
I've already done all of this, Uber On
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Provide the name of this mystery insurance company that will continue to cover you IF they know (or find out) you're using your car for Uber/Lyft in Oregon. This has NOTHING to do with Uber period 2 or 3.Pay No Attention To Phillipzx3 You DO have 1 Million Dollars worth of Insurance. Contact Uber and talk to their Reps. Call your Insurance Agent and ask him about coverage. DO NOT PAY ATTENTION TO PHILLIPZX3.
I've already done all of this, Uber On
But that's ok. Don't pay attention to me. Stick your head in the sand and pretend all is well. How many Uber drivers being sued does it take for you to understand this? IT'S A STATE LAW in Oregon. If you use your car AT ANY TIME to generate income, WHICH YOU ARE, you MUST have a commercial policy. Forget what Uber keeps telling you. IT'S A STATE LAW!!!
Geez... How dense can one be?
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I'm still waiting for this mythical insurance company that won't cancel you when/if they find out you're using your private vehicle and insurance for commercial purpose?Pay No Attention To Phillipzx3 You DO have 1 Million Dollars worth of Insurance. Contact Uber and talk to their Reps. Call your Insurance Agent and ask him about coverage. DO NOT PAY ATTENTION TO PHILLIPZX3.
I've already done all of this, Uber On
The last city hall meeting had the Uber/Lyft reps tossing in their seat unable to answer a simple question they were told to keep data for. That data was to show what percentage of "rideshare" accidents happen in each period 1,2 and 3. Period 1 being when the Uber/Lyft drivers are hauling butt back downtown to snuggle up close (GPS wise) to their favorite haunt.... such as the Monaco, Hillton, etc.
Uber didn't have it. The simple question was why Uber doesn't supply a 1 million dollar policy for all three periods (since they claim their drivers have such a great safety record). The answer is simple..They'd have to pay about 6-8 grand more a year...per car, for coverage. In other words....bump their 20...25% up to 40% or more. Either that or raise milage fees to those equal to taxi's.
If you're caught driving for Uber/Lyft (in Oregon) your insurance WILL be canceled. So far it's 6 of 6 (that I know of). But, that's OK. I don't know what I'm talking about.
Still want to insist your insurance is all good, "JibsMan"?
<crickets>
A week has gone by and I'm still waiting........
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Two more Uber/Lyft drivers will be getting insurance cancellations (along with a nasty citation) after today. Early this morning, one tried to take out two pedestrians (Portland Police witnessed the "event") and another decided to try his hand at reproving two objects can't occupy the same space at the same time @ Glisan and 16th. His experiment worked.
When will you people learn? Go buy some commercial insurance and you won't have these problems. Should only run you about 8...maybe 10k a year. Cab drivers can buy it, but you money making machines driving for Uber/Lyft, can't?
When will you people learn? Go buy some commercial insurance and you won't have these problems. Should only run you about 8...maybe 10k a year. Cab drivers can buy it, but you money making machines driving for Uber/Lyft, can't?
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I am a Vancouver, WA driver and a retired Portland Police Officer. I have just recently began driving for Uber, but have been with USAA for auto insurance for 30 years. Before beginning to drive for Uber I researched and found there is a doughnut hole of missing coverage when you are actively waiting for but without a customer. I talked to Uber and my insurance company USAA about the issue and found my insurance company offers:
"Ride Share Gap Protection - Extends coverage when you are waiting to accept an assignment from a transportation network company like Uber, Lyft or Sidecar."
Google they above and they have a nice online explanation!
phillipx3 I guess this is the mythical company!
The cost for me is $29.36 for six months and provides coverage for that uncovered time frame and my coverage is higher than the minimum legal requirements. And no they didn't cancel me when they found out what I was doing. Further I personally have a $1 million umbrella liability policy for all aspects of life at about $20 per month, but I already had that before I started driving for Uber. I did get a copy of the Uber insurance policy to carry in my vehicle and I carry a full copy of my insurance policy (not just the card) that shows I carry the ride share gap protection coverage. Talk to your insurance company. They want to keep you as a customer. If they won't offer the proper coverage , switch to someone who will!
"Ride Share Gap Protection - Extends coverage when you are waiting to accept an assignment from a transportation network company like Uber, Lyft or Sidecar."
Google they above and they have a nice online explanation!
phillipx3 I guess this is the mythical company!
The cost for me is $29.36 for six months and provides coverage for that uncovered time frame and my coverage is higher than the minimum legal requirements. And no they didn't cancel me when they found out what I was doing. Further I personally have a $1 million umbrella liability policy for all aspects of life at about $20 per month, but I already had that before I started driving for Uber. I did get a copy of the Uber insurance policy to carry in my vehicle and I carry a full copy of my insurance policy (not just the card) that shows I carry the ride share gap protection coverage. Talk to your insurance company. They want to keep you as a customer. If they won't offer the proper coverage , switch to someone who will!
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^^^ You live in Washington. Insurance laws are different in Oregon. As a retired Portland Police officer, you should know that. Is this the level of attention you paid as a cop? And yes, the insurance companies do want to keep you. They want you to keep paying in, but when it comes time to pay out...lots of luck with that one. That's what their business model is designed to do; take money in and refuse (as legally as possible) to pay anything out. It's like "health" insurance.
The retirement plan with the PPD must really suck if you find a need to earn money driving for Uber or Lyft?
The retirement plan with the PPD must really suck if you find a need to earn money driving for Uber or Lyft?
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