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Uber Insurance in Ankeny IA & Des Moines IA

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 Doubleday 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. Doubleday 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

Doubleday Insurance Agency

110 SE Grant St, Ste 203
Ankeny, IA 50021
Main office: 515-325-8405
Toll free: 888-464-3367
Fax: 515-964-0654

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

I’ve never had a problem that Doubleday couldn’t solve.
- Terry Hager, Polk City, IA
I’d like to take this opportunity to thank you for your professional handling of both my personal and business insurance needs. Your prompt and courteous attention to my needs have been a real asset in the growth of my business. Thank you!!
- Michael Lucas
We were pleased the way you helped us on our home owners insurance. Saved us several hundred dollars. Thanks to Rose for all of her help.
- Leo & Catherine Lukes
It’s all about service. A phone call and you know whatever the problem or request, it’ll be taken care of. Saving money is only the beginning. Saving time and energy with prompt customer service is the ultimate.
- Harold Kahler, Ankeny, IA
We were very happy the way your staff took care of us when our van, parked in front of our home, was hit by a drunk driver and totaled. One of your staff came right away and had a check for it the next day. We have our home insured with you too. We are very happy with the efficiency of your staff.
- Bernice Keyes, Des Moines, IA
Eva and I couldn’t believe how well the fire claim we had went with your agency. We never had even one problem.. It was devastating but you made it so much easier for us. AND, you saved us $700 on our auto insurance too when we changed from Progressive!
- Clair Wepel, Ankeny, IA
I can’t remember how I was fortunate enough to discover Doubleday Insurance when I moved to Ankeny 8 years ago. From the beginning Chris (and later his entire family) took me under his wing like a protective older brother. Chris has handled all of my insurance needs professionally and promptly with courtesy. It’s great peace of mind to know I can call Chris (or his Dad, Lew) anytime with questions knowing I’ll be warmly greeted. I’m confident they are genuinly interested in my welfare and not just after a commission check. Thanks Doubledays!!!
- Phyllis Wininger, Ankeny, IA
Not having the best record, Doubleday Agency was able to help us in our insurance needs. Friendly, helpful and always willing to check other areas. Rose had a smile every time. Thanks for helping us in insurance. My parents always said you were the best!!!
- Rob & Tammy Pieart, Polk City, IA
We saved 71% on our home insurance with Doubleday and saved money on our auto too! We are sending them referrals of our friends and relatives so that they can save too. Since they are Independent Agents I’m sure of a very competitive rate always.
- Randy Grogan, Des Moines, IA
On the way to TN for a family vacation a deer ran out in front of us. I called and Chad answered the phone and the first thing he asked was about the family. After assuring him all was okay with us he then took over asking questions regarding the Van. He reassured me everything would be good again – and it was! Thank you for caring about my family.
- Deb Stock, Pleasant Hill, IA
Lew, we had a claim in July where we lost our roof and had a lot of damage to our home. Work has been completed and the check is on its way to us. Just wanted you to know we felt we received great service. We are so thankful to have you as a local agent that we know we can count on. It’s just reassuring to know you will take care of us and you are not an 800 number in another state with no real contact person. Thanks for all you do and for the peace of mind we have with you as our agent.
- Diane and Dave White, Maxwell, IA
I’m late in getting this note off to you, but we were extremely satisfied with our service and adjustor on the storm water backup in our basement. Great quick service from your office also.
- Shirley Ballard, Ankeny, IA
Thanks so much Lew. I will never forget your kindness to me when I had my accident in Alabama. I was so frantic, you were so calming, and I bothered you on vacation, I think you were in Spirit Lake at the time eating dinner. But you took the time to help me, and told me step by step what to do. I had never had or been in an accident before, it was so frightening for me. For you, it was just business, but for me, it was way more than that. Thanks again to your whole agency, Chris and Kim for being so helpful as well.
- Bev Shafer, Des Moines, IA
I was hit in downtown Des Moines and was clueless as to what to do. I called Chris, my agent, and he personally drove to the scene of the accident and handled everything for me. That personal touch and caring really makes it 100% worth staying with an Independent Agent. Thanks, Chris!
- Jena Skaar, Ankeny, IA
Pat Capehart recommended you to be my Insurance Agent. She was very happy with you when she needed your assistance for her claim. I'm glad she gave me a good reference. I'm glad to be your client.
- Carmen Murguia, Ankeny, IA
Chris is always available and respond to our questions/requests as soon as he can. Doubleday is like a family to us after 16 years working with you. I have all of mine insurance with you. You try to get the most competitive price.
- Lang D., customer since 1999
We really like the friendliness and knowledge of all of you. We also really like that you have our best interests in mind.
- Jerry M., customer since 2013