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Uber Insurance in Charleston SC & Mt Pleasant SC

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 McKenna Agency, Inc. 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. McKenna Agency, Inc. 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 Locations

McKenna Agency Inc. - Main Office

1032 Savannah Hwy.
Charleston, SC 29407
Main office: 843-795-0189
Fax: 843-795-5708

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Mt Pleasant

2191 N Highway 17, Ste B
Mount Pleasant, SC 29466
Main office: 843-884-0069
Fax: 843-884-5415

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Summerville

810 N Main St
Summerville, SC 29483
Main office: 843-410-5934
Fax: 843-628-6706

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - North Charleston

2154 N Center St, Ste B 205
North Charleston, SC 29406
Main office: 843-797-8041
Fax: 843-569-4557

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Beaufort

2 Merchants Lane, Ste 112
Beaufort, SC 29907
Main office: 843-322-0224
Fax: 843-322-0913

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Chapin

PO Box 955
Chapin, SC 29036
Main office: 864-469-6985
Fax: 864-236-4049

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Estill

660 Martin L. King, Jr. Blvd North
Estill, SC 29918
Main office: 803-625-3701
Fax: 803-625-0124

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

McKenna Agency Inc. - Minnesota

8100 Penn Ave S, Ste 165
Bloomington, MN 55431
Main office: 888-838-7682

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

My husband and I have been working with Wes for the last year. We met with several financial advisors before deciding on the McKenna Agency and definitely felt like we made the right choice after our first meeting. Wes “roots” for our financial goals while giving sound advice along the way. We have never felt more at peace financially (been married 6+years) and feel secure in our financial future. Wes has been a GREAT resource for us and we highly recommend him, his staff and agency.
- Ashley D
I want to thank the McKenna Agency, Inc. and especially to Mr. Ell Brown for helping me with my insurance. As I was preparing to go there I felt as if I was going to my doctor for bad news, but to my surprise what at great experience meeting a young man with a wonderful smile to greet me. Mr. Brown discussed some options and prices of two of his products; he explained to me what I would need to do. We have both worked diligently preparing me to be a new member of the McKenna family. The slogan reads “Nationwide is on Your Side”, says it all. The pain is gone and I will continue to look forward to having a long-lasting relationship. Thank you again Nationwide and your wonderful Mr. Brown.
- Brenda A
Love this place! Great people who always do what's in the best interest of their clients!
- Ashley R