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HOW MUCH
CAN YOU MAKE
WITH UBER?
It has been many years since we have established our feet in the insurance industry. With years of working with and for Uber drivers, we have learned certain ins and outs of driving for Uber. Let’s discuss in detail, shall we?
HOW TO EARN MORE MONEY WHILE
BEING AN UBER DRIVER?
Avoid the suburbs:
Opportunities to pick up riders continue to decrease as you get away from the city. Therefore, it’s principal to avoid the suburbs and spend more time within city limits. It’s because suburbs are filled with housings and cultivated farms and therefore, you’ll have to drive more in order to pick up riders.
We know that it’s a little difficult to uphold since there’s a lot of traffic in the city area. However, with the passage of time, you’ll start to recognize the streets and gain a proper and definitive knowledge of congested free areas. Familiarity of the roads will help to increase the no of passengers.
Dealing with difficult passengers:
The satisfaction level of the customers can never be surpassed. You might find riders who may be experiencing a bad day or have a bad personality. Also, there’re some riders may try to take out their frustrations on you.
As you know, prevention is better than cure, therefore, it’s prudent to be prepared for such events. Also, keeping a cool and clear head will help you to deal with the riders at a more better level and a calm mind will help you to block all the negative things that you can otherwise take personally. It’s very important for you to act professionally and composedly in order to earn good ratings.
Nevertheless, here are few wisdom tips for you in case something similar to the above occurs:
- Make mental notes on how to behave with those types of passengers you’re likely to face every day.
- Your first priority should be to make them feel comfortable and try to maintain a peaceful environment in the car.
- Always act professionally and don’t meddle in situations where your presence isn’t required.
Duel wield rideshare services:
In many parts of US, Lyft is more in demand and favored than Uber. Therefore, in order to get more ride requests, you should use Lyft referral code. This code comes with a signup bonus and increases your income as a driver.
Encourage others to ride:
Uber operators receive a rider invite code which the drivers can distribute on their business cards, online forums or blogs to earn money. Use of this invite code will help the owner of that code receive a standard bonus. Codes are generally created to increase the number of customers and thus, drivers will find themselves with an easy and fantastic flow of riders which will further help them to earn more money.
Get the iPhone hookup:
Providing memorable experience to the passengers by offering them with a way to play their favorite tunes during the drive can be very profitable. Therefore, investing in a car radio that plugs in a smart phone can be very advantageous. Passengers who have the leisure of playing their favorite songs on your car speakers while travelling are cheerful and contented. Thus, you’ll have the opportunity to earn better tip and driver rating.
Give the cargo box a try:
What is cargo box?
The most primary way to earn more money while Uber driving is to take advantage of the cargo box. Cargo box is a container that Uber drivers should keep in their car that holds consumable items like snacks and other cool items.
Use:
It’s very normal that while travelling, passengers at times tend to become very thirsty and hungry. During such times, the cargo box will help you ease the situation by offering them the opportunity to purchase these consumable items from you.
Advantage of cargo box:
This technique will help you attain a certain amount of extra money. The best part of the scheme is that the cargo box is completely free for Uber drivers like you. Through the cargo box, now, you can offer extra goodies to your riders and earn good driver ratings as well.
Cost bearing of cargo box:
The best part which we talked above, is the cost bearing of the cargo box. The cost of cargo box is endured by somebody else. That is, Uber drivers get to earn money without putting any initial amount. This also means that you can earn $1 for every order. In total, Uber drivers can also earn 25% of every retail item and even more, if they get sales bonuses and in-app tipping. To conclude, Uber driver’s income increases by $100 per month.
Improve tip odds:
Uber prohibited passengers to tip drivers until July 2017. However, now, there’s a change in the attitude of Uber on this particular issue which clearly states that passengers are free to tip drivers if they find their work professional and on-point.
But, the demeaning aspect is that many Uber riders are unaware of it. Nevertheless, there’re many ways through which you can inform your rider about the same. They are:
- Adjoin a symbol to your car which point to the above topic.
- Print out a free Uber tip sign to let your riders know that they’re free to tip.
An important note: Never directly ask your riders for tips as it can make them feel uncomfortable and leave you with a negative rating.
Invest in water:
Offering a complimentary bottle of water is a sweet gesture that an Uber driver could show towards his riders. Provision of this essential item will not only give an Uber driver better ratings but also, he may be tipped well by his passengers.
On an average, the initial amount put by the Uber driver will be $5 for 24 passengers. A tiny investment in a 24-pack of bottled water can easily increase his profits to a new level. All the more, it’s tax deductible.
Invite your friends:
You must have heard the phrase — «Sharing is caring.» Share your unique Uber driver invite code with your friends so that you both can earn an extra penny.
Also, you get to earn a referral bonus each time your Uber driver friend uses the invite code. This signifies that even when you aren’t driving, you can still earn money by helping others earn a little. Though, The thing to be remembered is that the referral bonus for Uber varies from state-to-state.
Keep your stats up:
Your driver rating is regularly monitored by Uber in a strict manner. As a result, it’s the primitive job of the drivers to keep their stats up. The best ways to improve the ratings are:
- Being professional,
- Dressing similarly to your passengers and
- Providing an excellent rideshare experience.
This also signifies that a less-than-flawless ride experience can result in a low star rating. There’re many reasons such as:
- Reckless driving,
- Strong car odors,
- A dirty vehicle.
Trick: Drive around your friends and relatives and subsequently, get a productive feedback from them. They might help you with the things that your work requires or lacks.
Locate nearby restrooms:
Nobody knows when one wants to pee! It’s rather common for everyone to want to go to bathroom when they’re travelling. However, In the case of an Uber driver, this involuntary task can become rather expensive.
For an Uber driver, time is money. That means, every time if an Uber driver ends up driving around in an area that is heavily crowded then, he’ll be at a huge loss because for him, every penny counts.
In order to prevent such, it’s better to learn the routes of nearby bathrooms in your driving area. You can not only save your precious time but also your gas which you might have wasted while waiting in long lines for the bathroom.
Lower your insurance costs:
One thing that every driver should have before getting their vehicle on the road is the rideshare insurance. Though the policies are expensive but rideshare insurance is very important for security purposes.
As the policies are expensive, we can understand that the purchase of one may cost you your savings. Therefore, one creative way to acquire rideshare insurance is to re-evaluate your personal insurance policy.
There’s no necessity of paying huge amount of money to providers like Geico, Allstate or Progressive. You can opt for subtle providers like Metromile also. With the help of Metromile, drivers have the opportunity to pay at a low base rate and afterwards, just few pennies for every square they drive. Thus, it helps you to save money and simultaneously, enjoy benefits like:
- low deductibles,
- rental reimbursement and
- emergency roadside assistance and many more.
Also, even after reading all this, you still don’t feel like having the rideshare insurance then we must suggest you to at least have a quote because it will help you to save money. To know more such providers.
Manage snack attacks:
Hunger is a natural phenomenon that will eventually come up during your shifts. The best way to satisfy your growling tummy would be by bringing pre-made snacks from home which are healthy, indelible and cheap.You should always avoid stuffing your stomach with the overpriced foods from the gas station.
Master the basics:
If you’re able to learn and become proficient in the knowledge of the city routes and the time period where you’ll be able to catch more riders then, you’ll be able to increase your earnings to a fare amount. In order to improve your earnings and efficiency, you should also take these things into account:
- driver ratings,
- tips by passengers and
- acceptance rates.
Prepare a backup:
You never know when problems might come knocking at your door. For an Uber driver, the biggest problem he could ever face is the non-functioning of his vehicle. It could be due to:
- the occasional flat tire,
- dead battery or
- other mechanical failures.
Such a problem could leave you with no money in the pocket for days. Therefore, it’s very important to have a back-up option. The best possibility for a back-up option is to borrow a car from your friend/relative. In turn, do offer them a certain amount in exchange for their car so that you don’t find yourself being called selfish.
However, your back-up option should be approved by Uber and registered to your account before it’s actually necessary to use it.
Prepare for taxes:
As the tax filing process is complex and complicated, there’s a lot of pressure on both Uber drivers and independent contractors. Adding more to this heap, contractors have to pay the taxes from their own pocket.
Fortunately, Uber drivers can take advantage of tax deductions due to their employment status. Tax deductions help Uber drivers by covering any business expense that they’ve to under-go while working. There are different types of tax deductions such as:
Standard mileage deduction:
Standard mileage deduction offers Uber drivers a rate that is per mile and covers most of their expenses. However, in order to use this deduction, drivers have to keep a record of the miles they’ve driven in an entire year.
Actual expense deduction:
In Actual expense deduction, an Uber driver have to maintain a proper list of all his expenses. Expenses incurred due to vehicle or rideshare insurance, will be listed. Items that can be deducted are:
- Car payments,
- Gas,
- Insurance,
- License, registration and title expenses,
- Mobile phone and charger,
- Vehicle financing,
- Vehicle operating expenses.
- Things which are purchased in order to help in improving the quality of the rideshare experience can also be deducted from your taxes. For example: 24-pack of bottled water which you’ve purchased in order to provide customers with complimentary water is considered a work expense and therefore, it’s tax deductible.
Purchase rideshare insurance:
Any car accident might become fatal to your wallet if you don’t have an Uber insurance. This signifies that till the time your car doesn’t get repaired, you’ll be temporarily out of work.
If you think that you’ve to pay some amount as premium after you’ve purchased rideshare insurance then, let us assure you that the money spent is worth it. It’s because in case of an accident, everything will be properly covered by the insurance company. Also, rideshare insurance can save you from devastating lawsuits/bankruptcy even.
Your personal car insurance plan will protect you off-hours. But, while you’re driving for Uber, you might have to pay additional fees that is charged by your insurance providers.
Navigating surge pricing:
SURGE periods provide Uber drivers a chance to earn more money. It helps you to increase your Uber earnings by driving during peak hours, especially in times of high demand. The reason behind such is that Uber riders are willing to pay more money when traffic is heavy.
An Uber driver should know how to balance between getting riders and dealing with the streets full of traffic. It could be very profitable. Also, make sure to be attentive at all times to know when and where the price hike occurs, so that he could take full advantage of surge.
Map up your route to increase the likelihood of catching a surge peak. But, you should keep this in mind that surge maps aren’t always updated immediately. There’s always a slight delay of few minutes that may disrupt your plan.
Reduce your driving:
You should always keep this in mind that driving without a rider leads to loss of time, money and fuel. Thus, you should always make up a plan before you start driving. That is, analyse your key locations where you can easily park and wait for riders while the engine is shut off.
Furthermore, draw an updated Excel sheet to keep a track of your earnings and the number of ride requests you’ve received. Make columns based on times of the day that is, morning, afternoon, early evening and late night. This will help you to identify your profits. Review this list every 2-3 months to diagnose your top earning locations.
Take online courses:
It’s advised to sign up for online courses as they could provide you tips and tricks that will help you improve your rideshare service. Everything will be explained in detail and in great manner.
An Uber driver is able to maximize his profits in a variety of different ways. Identifying the best ways to improve your rideshare business will take time and dedication. For more information, contact us.
DEFINITE
HOMEOWNER’S
INSURANCE
GUIDE
Implicitly, all the mortgage companies demand borrowers to have insurance coverage for the full/fair value of the property which is usually the purchase price. Also, without it, the insurance companies won’t be able to create a loan/finance a residential real estate transaction without any validation to it.
WHAT A HOMEOWNER’S INSURANCE
POLICY PROVIDES ?
Homeowner’s insurance policy is a written contract between the insurer and the customer. It specifies coverage for loss/damage to the property. The elements of a standard homeowner’s insurance policy provide that the insurer will cover costs related to:
Damage to the interior/exterior of your house:
Your insurer will only compensate you when your house faces damages due to:
- lightning,
- hurricanes,
- vandalism,
- fire or other covered disasters.
The compensation would be provided in a way that it helps you in rebuilding your house or at least repair it. You might have to acquire separate riders to protect yourself from damages such as:
- earthquakes,
- floods and
- poor home maintenance.
You also have to cover other structures on your property utilizing the same guidelines as the main house such as freestanding garages, sheds, etc.
Loss/damage to your personal belongings:
Most of the contents of the home are also covered if they’re ruined in an insured disaster such as:
- furniture,
- clothing and
- appliances.
Off-premises coverage:
Furthermore, you can also get off-premises coverage, wherein you can file a claim for lost jewelry. It doesn’t matter where did you loose it. A claim is a homeowner’s request for repayment under the terms of the policy.
However, there’s a constraint to the amount of reimbursement. According to the Insurance Information Institute (3Is), most insurance companies will provide coverage for 50-70% of the amount of insurance you’ve on the structure of your home. Howbeit, it’s better to purchase a separate floater policy if you own a lot of high-priced assets.
Personal liability for damage/injuries caused by you/your family:
Liability coverage protects you from lawsuits filed by others. In addition to it, this clause also includes your pets. It doesn’t matter if the incident takes place at your home or at any other place, the other person would be successfully reimbursed for her loss.
However, off-premises coverage doesn’t apply for those with renter’s insurance. According to the 3Is, one should have at least $300,000 worth of coverage. For extra protection, a few hundred dollars more in premiums can buy you an extra $1 million or more through an umbrella policy. A premium is the price charged by an insurance company. Though, it depends on the level of coverage purchased.
Hotel/house rental while your home is being rebuilt/repaired:
Additional living expenses is undoubtedly the best coverage. It reimburses you for those expenses which are done by you while you’re waiting for your home to become habitable again. These expenses could be in the form of:
- hotel room,
- rent,
- restaurant meals and other incidental costs.
Although, the policies enforce strict daily and total limits but, you can expand those daily limits if you pay more in coverage.
WHY YOU SHOULDN’T DO WITHOUT IT?
It’s better to have homeowner’s insurance unless you’re filthy rich whose home represents a small enough percentage of your net worth that could be easily replaced. Most middle-class people acquire homeowner’s insurance because they don’t have the money to replace the entire house.
Moreover, if you drop your homeowner’s coverage now, then the insurance companies might not be willing to cover you in the future. And if they would, then, you’ve to pay more for your coverage. It could be because:
- They would righteously assume that you couldn’t meet your premiums in the past and will have trouble paying them now.
- Or that you’re looking for coverage because you’re anticipating a claim in the very near future.
DIFFERENT TYPES OF COVERAGE
Insurances are created differently. If you buy a homeowner’s insurance that costs less then, the amount of coverage will also be less. Same goes in the case of homeowner’s insurances that are costly. In NYC, there’re several forms of homeowner’s insurance that have become standardized in the industry. They’re designated HO-1 through HO-8 and offer various forms of protection depending on the needs of the homeowner and the type of residence being covered. There’re essentially three levels of coverage:
Actual cash value:
It covers the value of your house and your belongings minus depreciation.
Guaranteed (or extended) replacement cost/ value:
Inflation-buffer policy:
It pays for all the repair costs or the costs related to the rebuilding of your home. It doesn’t matter if the costs is more than your policy limit. Many insurers offer extended replacement which gives more coverage than you’ve purchased. But there’s a maximum limit which is 20-25% higher than the limit.
Guaranteed replacement value policy:
If the homeowners plan to stay in a home for any length of time then, they should definitely buy guaranteed replacement value policy. As your homeowner’s insurance covers the costs of rebuilding of your home preferably at current prices, guaranteed replacement value policies will absorb the increased replacement costs.
According to Adam Johnson at QuoteWizard.com, «Often shoppers make the mistake of insuring [a house just] enough to cover the mortgage, but that usually equates to 90% of your home’s value. Due to a fluctuating market, it’s always a good idea to get coverage for more than your home is worth.»
Replacement cost:
This is the actual cash value without the deduction for depreciation. Depreciation is the estimated decrease in value of property over time due to aging, wear, tear and other factors. Through this, you would be able to repair/rebuild your home up to the original value.
WHAT ISN’T COVERED?
Homeowner’s insurance exclusively excludes providing protection to it’s customers in cases of natural disasters i.e. acts of God and war. Therefore, in order to emancipate your home, it’s advisable to acquire an extra policy of earthquake insurance/flood insurance. There’s also sewer and drain backup coverage along with it. There’s also identity recovery coverage that reimburses you for expenses related to being a victim of identity theft.
HOW ARE RATES DETERMINED?
Reason 1:
- Rates are determined by the possibility of filing a claim by a homeowner. It’s the insurer’s perceived «risk». To determine risk, homeowner’s insurance companies go through the past record of the claims submitted by the homeowner as well as claims related to property and the homeowner’s credit.
- Though insurers pay the claims but they also make money in the process. A homeowner’s insurance premium can reach a very high altitude if you insure a home that already has had multiple claims in the past 3-7 years. Even though if the previous owner had filed the claim. In that case, the insurance companies won’t accept your request for homeowner’s insurance. Their denial would be based on the number of recent past claims.
Reason 2:
- The rates are also determined by building material availability, neighborhood and crime rate. Moreover, the size of an annual premium depends upon: coverage options like deductibles, jewelry, added riders for art, wine, etc and coverage amount desired.
- Pricing and eligibility for homeowner’s insurance can also vary depending on an insurer’s demand for certain things that are related to building construction. These could be security systems, roof type, swimming pool, condition of the home, heating type i.e. if an oil tank is on premise/underground, the proximity to the coast, trampoline and more.
COST-CUTTING INSURANCE TIPS
Maintain a security system and alarms:
You can lower the homeowner’s annual premium by 5% or more through the installation of a thief alarm. It’s monitored by central station or local police. Howbeit, the owner has to submit evidence of central monitoring in the form of a bill/a contract to the insurance company to receive the discount.
You can save your family 10% or more in annual premiums by installing these devices which are standardized in many older houses:
- CO2 detectors,
- smoke alarms,
- sprinkler systems,
- dead-bolt locks and
- weatherproofing devices.
Raise your deductible:
The higher the deductible, the lower will be the annual premiums. Deductible is the amount that a customer pays out of his own pocket before coverage is given, even when the claim is accepted. However, there’re smaller problems with selecting a high deductible such as broken windows or damaged sheet-rock from a leaky pipe. Such obstructions cost only a few hundred dollars to fix and will most likely be absorbed by the homeowner.
Look for multiple policy discounts:
Many insurance companies give a discount of 10% or more to customers who maintain other insurance contracts under the same roof such as auto-insurance or business insurance. With this method, you might end up saving on two premiums.
Plan ahead for construction:
While constructing another building adjacent to the home, you should look out for the materials that are going to be used. Such as:
- you can apply cement/steel-framed structures in the building. They are less costly because they wouldn’t succumb to fire/adverse weather conditions. On the contrary, wood-framed structures are highly inflammable and costly to insure.
- Swimming pools and other potentially destructive devices like trampolines can increase the annual homeowner’s insurance costs up by 10% or more.
Pay off your mortgage:
People who have their own residences will most likely have lower premiums. It’s because the insurance company thinks that a homeowner will take better care of their home than a tenant. Therefore, it’s advisable to pay off your mortgage soon.
Make regular policy reviews and comparisons:
Before buying any type of insurance you should always compare. This includes:
- checking for employers/association membership group and
- coverage options through credit/trade unions.
Also, even after purchasing a policy, you should always or at least once a year:
- compare the costs of other insurance policies to your own,
- review your existing policy and make notes of the changes that might lower your premiums.
Lower your premiums:
Furthermore, you could notify and provide proofs to the insurance company to lower your insurance premiums. The proofs could be in the form of pictures and receipts of the changes that you have made in your house. These changes include:
- disassembling the trampoline,
- installing a burglar alarm,
- paying off the mortgage,
- a sophisticated sprinkler system.
According to Van Jura, «some companies have credits for complete upgrades i.e. to plumbing, electric, heat and roof «. Another way to lower your premium is by loyalty. The longer you stay with a company, the lower the premium will become.
According to John Bodrozic, co-founder of HomeZada.com, «Many consumers are under-insured with the contents portion of their policy, because they have not done a home inventory and added the total value to compare with what the policy is covering.» Therefore, make annual estimation of your priced items to know if you’ve enough coverage to replace your possessions.
Changes in the neighborhood also lower premiums such as:
- installation of a fire hydrant within 100 ft of the home
- the erection of a fire substation within close proximity to the property.
HOW TO COMPARE HOME INSURANCE COMPANIES
Compare statewide costs and insurers:
It includes visitation to state’s Department of Insurance website to learn about the rating for each homeowner’s insurance company that are licensed to conduct business in your state as well as any consumer complaints lodged against the insurance company. The site should also provide a typical average cost of home insurance in different countries and cities. These will help you determine which carriers you want to compare.
Do a company health check:
Closely scrutinize each homeowner’s insurance companies you want to consider via their scores on the websites of the top credit agencies such as:
- A.M. Best,
- J.D. Power,
- Moody’s,
- Standard & Poor’s.
Also, there’re National Association of Insurance Commissioners and Weiss Research for score comparison. The work of these sites is to track:
- consumer complaints against the companies,
- the processing of claims,
- general customer feedback and other data,
- rate a homeowner’s insurance company’s financial health to determine whether the company is efficient enough to pay for the claims you demanded.
Look at claims response:
Before purchasing a policy, find out whether licensed adjusters or third-party call centers are going to receive and handle your claims calls or not. This should be done because the core function of insurers is to handle it’s clients.
An adjuster is a person who is trained to investigate losses and seeks to determine the extent of an insurer’s liability for that loss when a claim is submitted.
According to Mark Galante, senior vice president and chief marketing officer at the PURE Group of Insurance Companies, «Your agent should be able to provide feedback on his or her experience with a carrier, as well as its market reputation,» as well as «Look for a carrier with a proven track record of fair, timely settlements and make sure to understand your insurer’s stance on hold back provisions, which is when an insurance company holds back a portion of their payment until a homeowner can prove that they started repairs.»
Current policyholder satisfaction:
Even though the company claims of good service but you should always do your own investigation. Ask your agent/a company representative about the percentage of policyholders that renews each year. In accordance with the insurer’s retention rate, many companies report retention rates between 80% and 90%. Moreover, you can also find satisfactory information in:
- annual reports,
- good old-fashioned testimonials from your trusted people and
- online reviews.
Get multiple quotes:
According to Eric Stauffer, the former president of ExpertInsuranceReviews.com, «Obtaining multiple quotes is important when looking for any type of insurance; however, it’s especially important for homeowner’s insurance since coverage needs can vary so much,» as well as «Comparing several companies will yield the best overall results».
You can have leverage in negotiations only when you know that you’ve an upper hand. For this, you must contact five or more companies to gain information on what people are offering. But before collecting quotes from other companies, you should request a price from your already maintained insurer. It may happen that he could offer better rates because you’re an existing customer.
Some companies provide a special discount for seniors or for people who work from home. The reason is that both these groups stay at home which makes the house less prone to robbery.
Look beyond price:
The annual premium is the reason of acquiring a homeowner’s insurance policy, but you shouldn’t look solely at price. You should always compare coverage and limits.
Talk to a real person:
According to Stauffer, the best manner to get quotes is to go directly to the insurance companies or speak to an independent agent who deals with multiple companies. One should never deal with a traditional insurance agent or financial planner because he only works for just one homeowner’s insurance company.
However, the downfall to this is that the broker who is licensed to sell for multiple companies often attaches his own fees to policies and policy renewals. This means the policy would ultimately cost hundreds extra a year. Also, you should consider different deductible scenarios to best weigh if it makes sense to opt for a higher deductible and self-insure.
WHY MORTGAGE COMPANIES REQUIRE INSURANCE ?
If you’ve mortgage, it’s possible that your lender might ask you to purchase homeowner’s insurance. However, its cost will get included into your monthly payment along with proper taxes.
If in case, you fail to do as asked, then your lender might impose force place insurance on his property to protect his investments which could be costly for you. They’ll do such because there could be cases of damage/destruction due to natural/man-made disasters. And due to such circumstances, they won’t be able to collect that money back through premium payments.
Force place insurance is usually considered a high risk by private insurers. Therefore, because of it, the premiums come at a higher price. However, the policy is now critically challenged and questioned.
KEEPING UP ON YOUR HOMEOWNERS POLICY
We can now safely assume that you’ve decided on the right insurance company, the type of coverage you require, the type of policy that best fits your needs and the actions you’ve to take to keep your premium costs down.
However, you shouldn’t just file the policy away and forget it. As you make incremental alterations and improvements on your house, your policy should change right along with it. Here’re some things you should always check upon:
Your policy upkeep:
Every year you should:
- review your written and/or photographic inventory,
- keep receipts for all repairs you may have made in the last year that could add to the value of your property and
- make updates as you add/subtract new assets in your home.
Pay the premium on-time:
A few insurers may offer a small grace period. However, not every one is generous. There are insurers who are strict towards premium deadlines and will not cut you a break for lateness.
Keep an up-to-date paper trail:
Organize and file all of your signed insurance documents/paperwork that you’ve received in the mail from your insurance carrier each time. They include:
- policy document,
- copies of advertisements,
- notes of conversations about claim activity,
- correspondence and
- premium payment receipts.
Make a detailed inventory of your possessions:
Note down or take pictures and videos of all your possessions that you would want to replace in the event of theft/calamity. Such as:
- jewelry,
- appliances,
- firearms,
- electronics,
- antiques,
- collectibles and
- furniture.
Keep inventory list off-site:
Store your home inventory in a secure place at another location such as:
- your workplace,
- a relative’s house,
- a safe deposit box,
- cloud computing which nowadays have made storing information more easier.
Maintain your home:
A homeowners policy doesn’t pay to repair items that rust with time like rotted porch railings. It becomes your duty to maintain your home such as:
- repairing your roof when it begins to leak and
- cleaning your chimney flue so it doesn’t catch fire.
Filing a claim:
In a situation where you experience a loss, here are some quick things to do before you make the call to your insurance company’s claims center:
Read your policy again:
Your first step before making a formal claim is to try to determine whether the damage can be covered by you or not. If the repairing cost isn’t much more than your deductible, you might want to pay for the repairs without filing a claim.
How often you file a claim and the types of claims you file significantly impact your premium and influence your insurer’s decision to renew you and therefore, you should always read your policy again.
Ask about forms/documents you’ll require:
If you decide to go ahead with the claim, make sure you’ve filled every information correctly and have every document ready for the process.
Protect the home from further damage:
Think nicely before you do anything that could lead you in more danger. For this, you need to access the situation mentally before reacting upon it.
If you think that your house is unsafe then probably you shouldn’t enter it. But if the situation is stable, you can help by minimizing the damage. This could be done by:
- boarding up windows,
- cleaning up water from a backed-up drain and
- spreading tarps to protect damaged areas from rain.
Cooperate with the adjuster:
Once the adjuster arrives to assess the damage, do a walk-through inspection together and discuss his/her impressions. Remember the dates of your conversations by writing them down so that you could be ensured that there’s a record of each visit.
Solving disagreements:
Adjusters can be an enormous help in times of crisis. However, the main purpose of their job is to limit exposure to losses for their employers. Not every claim goes smoothly and sometimes you’ll be denied coverage. But, you should note down that adjusters cannot give final verdicts.
Don’t give in too quickly:
Don’t feel pressured into accepting the first assessment when there’re disagreements between you and the adjuster. Instead of arguing directly with the adjuster, try to resolve your concerns with your insurer. As getting third parties involved can slow down the process considerably.
Gather evidence to support your side:
Assemble all your evidence such as:
- documents,
- photos and
- receipts.
You can also write a detailed account of your complaint and make copies as well. All of your efforts will help you to make a well-reasoned argument that you can submit to the insurer and asking them to reconsider your claim.
Invoke the appraisal clause:
If there is still a continuation of disagreement, find out if there’s an appraisal clause in your policy. An appraisal is an evaluation of a home insurance property claim by an authorized person, usually an adjuster, to determine property value/damaged property value.
Many policies require this appraisal process to resolve claim disputes. This clause allows either you or the insurer to bring in a third-party adjuster to make a binding decision on the dispute.
Call the state insurance department:
If this fails, contact your state insurance department to lodge a formal complaint. The state agency has consumer services staff who can help make your case against the insurer and aid in negotiations.
Hire an independent/public adjuster:
Contact the National Association of Independent Insurance Adjusters (NAIIA) to find an adjuster who isn’t bound to any particular insurance company and is trained to help broker in an agreement. However, the fee of the public adjuster would be about 10-15% of whatever settlement you get.
Lawyer up:
If all else fails, hire a lawyer to step in. Investigate the incident and if there is a need then, argue the case on behalf of you. However, this would be the most expensive option as the legal fees takes up even more of any settlement you might win.
Cancelling/losing your insurance:
You always have the right to cancel your policy for any reason. However, insurance companies must give you a reason for cancelling you after an initial trial period which is usually 60 days from the opening of the policies. The reasons include:
- Late/non-payment of premiums.
- Conviction of a crime that could increase any sort of risks for the insurers such as the illegal storage of fireworks/explosives on the property.
- Willingly neglecting the safety of the property which may increase risks such as ignoring a gas leak.
- Providing the insurer with fraudulent information on your application.
- Changes to the property that could void the policy like physical modifications or additions that may threaten the stability of the structure or local codes.
- Leaving the house vacant for more than 60 consecutive days which could make the structure more prone to vandalism, etc.
It’s important to note the key differences between an insurance company cancellation and a non-renewal.
- «Cancellation» means either you or your insurance company stopped the coverage before the policy’s normal expiration date which is usually 12 months after the policy starts.
- Non-renewal means the company refuses to renew your policy after it expires. Insurance companies generally have the right to not renew your policy if they so desire.
You should be notified in case your insurance company cancels your policy. The number of days varies by state, but it’s generally in the neighborhood of 30 days. If you or the insurer cancels your policy, the company could refund a portion of your premium. Your insurer must also give notice again typically 30 days before it chooses not to renew your policy. You should also ask the insurer for the reason behind the non-renewal.
PULLING IT ALL TOGETHER
Still for many people, insurance is just another piece of paper that is signed and filed away. It’s only remembered in case of unexpected worst situations.
Homeowner’s insurance is a financial agreement. Before applying for it, you should read the policy carefully, look for the right agent, have a complete knowledge of your coverage limits and update the property inventory. Through all this, you can then ensure that your hard-earned dollars will keep that roof over your head.
GUIDE
O UBER
INSURANCE
WHAT IS UBER (RIDESHARE) INSURANCE
AND HOW DOES IT WORK?
An Uber (rideshare) insurance policy is a specialized form of policy that narrows this coverage gap and allows the drivers to be covered during every step of the rideshare process without any stress.
What does Uber Insurance provide drivers?
First, we need to define the different insurance coverage stages a driver may find themselves involved in. There’re three stages of a driver’s average workday:
Periods:
- Period 0: Personal insurance covers this time frame because this period includes daily routine trips that have nothing to do with ridesharing.
- Period 1: Drivers are most vulnerable in this period because of the coverage gap. In this period, driver logs themselves into the app and wait for a ride request.
- Period 2: This period begins when the driver has reached the pick-up point and picked up the passenger. As soon as they pick up their first customer, they automatically are covered by the ridesharing company’s insurance policy.
Although, Uber and Lyft can provide liability and collision coverage up to $1 million, the deductible for the coverage can become quite expensive. Many times, drivers have to pay a lot of their money for the accident before the insurance kicks in. In such situations, rideshare insurance helps by usually reducing it to a more reasonable amount.
Uber Insurance Options:
Rideshare coverage is the perfect balance between personal insurance and commercial insurance. This type of insurance protects drivers and provide them with the time to complete the coverage gap. In comparison to commercial insurance premiums, this insurance costs very less.
Also, in accordance with Trusted Choice, the average commercial auto policy costs $1200-$2400 per year or higher for a passenger car. Sadly, neither rideshare coverage is available in every state nor do all the insurance companies offer it. When compared to commercial auto policy, Uber (rideshare) insurance providers charge $50-$100 extra per year for the coverage.
Uber Insurance Providers:
Review the following list to confirm if your preferred insurance company offers rideshare coverage:
Metromile:
Metromile offers insurance policies whose premiums are based on how much you actually drive and not a recurring monthly sum. You firstly have to pay on a low base rate and then afterwards, just pennies for every mile you drive. It’s a great way to save money for you and meanwhile you can still enjoy potent benefits like:
- rental reimbursement,
- low deductibles,
- emergency roadside assistance and so much more.
All-state Uber Insurance:
You can add this rideshare coverage to your current insurance plan for about $15-$30 a year.
States where All-state Uber (rideshare) insurance is available are Ohio, Arizona, Maine, Maryland, California, Colorado, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Utah, Washington, Washington D.C, Michigan, Nevada, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas and Wisconsin.
Erie Uber Insurance:
Erie insurance has traditionally excluded coverage for taxi drivers. But, this case isn’t valid for the drivers who have Uber (rideshare) insurance. In addition to personal premiums, Erie offers Uber (rideshare) insurance as a monthly fee to the drivers that varies between $9-$15.
States where Erie Uber insurance is available are Pennsylvania, Illinois, Indiana, West Virginia, Washington D.C, Kentucky, Maryland, Ohio, Tennessee, Virginia and Wisconsin.
Farmers Uber Insurance:
Farmers Uber insurance provides drivers with Uber (rideshare) insurance. Their network is spread across more than half the United States. However, this insurance is very costly as it demands 25% more than your current rate. It’s because of the estimated increase in the personal property involved which is approximately 1.25%.
States where Framers Uber insurance is available are Oklahoma, Oregon, Arkansas, Arizona, California, Kansas, Maryland, Michigan, Colorado, Georgia, Iowa, Indiana, Illinois, Indiana, Minnesota, Missouri, Montana, Nebraska, New Jersey, Tennessee, Texas, Nevada, New Mexico, North Dakota, Ohio, Utah and Wisconsin.
Geico Uber insurance:
Geico offers rideshare coverage under the Geico Commercial plan. According to this plan, drivers are charged on average, about three times the rate of personal coverage.
States where Geico Uber (rideshare) insurance is available are Delaware, Georgia, Alabama, Arizona, Colorado, Connecticut, Maine, Maryland, Iowa, Indiana, Illinois, Nebraska, New Mexico, Indiana, Kansas, Louisiana, Minnesota, Mississippi, Missouri, South Carolina, South Dakota, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Washington, Washington D.C, Tennessee, Texas, Virginia, Vermont, Wisconsin and Wyoming.
Metlife Uber Insurance:
According to Metlife, Uber insurance is determined by the distance driven by the driver during a given month. Due to this policy, the average monthly premium will always vary because it would depend upon the time, the drivers spend on the road.
Currently, Metlife Auto & Home insurance is available in almost every state.
Progressive Uber insurance:
Favoring Lyft, Progressive Uber (rideshare) insurance is currently only available in Texas. Under Progressive, Uber (rideshare) insurance is considered as a personal policy. Theoretically it means that insurance rates are going to remain unchanged once they know about your business operation. However, no official estimation has been established till.
State farm Uber Insurance:
In words of State farm Uber insurance, rideshare insurance is an extension to personnel policies. Because of the distinct declaration, the coverage should be moderately priced theoretically.
States where State farm Uber (rideshare) insurance is available are Georgia, Iowa, Alabama, California, Colorado, Louisiana, Maine, Minnesota, Connecticut, Delaware, Indiana, Indiana, Ohio, Oklahoma, Oregon Kentucky, Mississippi, West Virginia, Nebraska, North Dakota, Pennsylvania, Tennessee, Washington and Wisconsin.
Travelers Uber Insurance:
As defined by Travelers Uber insurance, rideshare coverage is a modified personal policy. Travelers insurance only offers insurance for rideshare drivers in CO and IL. To know more about Travelers Uber insurance, you can look for Optional coverage section or message us.
USAA Uber Insurance:
USAA Uber insurance provides coverage only to a selective group. This group include selected drivers who have served in the military before or are related to any current USAA member as a partner/child. USAA rideshare insurance adds about $6 a month to regular insurance policies.
IMPORTANCE OF SPECIAL INSURANCE
Earlier reactions:
Initially, insurance companies weren’t willing to provide insurance to rideshare drivers because of the lack of popularity and trust, Howbeit, with time, the popularity of the rideshare companies has grown. This has proved to be a great reason to the insurance companies to start placing their trust on the rideshare drivers and protect them through their insurance policies.
Interview of an experienced rideshare driver:
An experienced rideshare driver, Michael Albert was interviewed for the above reason. In the interview, he shared his story wherein when he applied for Uber and Lyft, he truthfully told his insurance agent. He wanted to be properly insured. Though, his insurance company didn’t raise any objection against his choice of profession. But, the agent explained to him in writing that his auto insurance policy won’t provide any coverage till the time he works with the rideshare company.
Coverage gap:
According to Transportation Network Companies (TNC) like Uber and Lyft, their policies won’t cover all your expenses until you’re on your way to pick up a passenger or already have a passenger in the car. This entitles that if you’re switched into driver mode in your ridesharing app and waiting for a passenger request then, your personal auto insurance policy isn’t going to cover you.
Along with it, the liability coverage provided by TNC will also be very low. This is known as the coverage gap. Therefore, it’s better to opt for rideshare insurance policy.
WHAT IS COVERED UNDER
RIDESHARE INSURANCE?
The answer is always going to be uncertain when it comes to being covered by TNC insurance when you’re waiting for ride requests. This period is also known as Period 1.
In such cases as above, TNC doesn’t offer any coverage. And if it does, then your coverage might be vastly reduced. It could then leave you vulnerable when you might meet an accident. You would find yourself stuck in paying for the costs of vehicle damages and medical expenses for all the parties involved.
Rideshare insurance policy helps to:
- eliminate the coverage gap.
- provide coverage during this open period so that if there is any accident then, you and the other party, along with your personal property is safe and have enough insurance.
- give you the option to have higher coverage limits and lower deductibles if in case, you aren’t satisfied with the coverage limits.
COST OF UBER INSURANCE
The rates of Uber insurance depends upon:
- the purchased amount of coverage,
- the type of city,
- the distance covered during the drive,
- your driving record,
- the season in which you had purchased your insurance,
- the choice of your insurance company.
Depending upon these factors, a rideshare policy can cost you $6-$20 per month. Also, even if you purchase rideshare coverage as an add-on to your existing auto insurance policy or as a new hybrid policy to replace your current coverage, it wouldn’t bring any significant increase in your premiums.
How to evaluate Rideshare Insurance Options:
Insurance costs:
It depends upon:
- the making of the car,
- model of the car and
- year in which your car was launched.
For example: Cars who have solid safety features will always have a lower monthly premium such as Jeeps. Meanwhile, luxury car brands like Mercedes Benz are more expensive because of their increased cost of parts and repair.
- the historical statistics of the make and model of your car. This takes into consideration the probability of getting your car stolen or into an accident.
Liability-only insurance:
Insurance rates are always categorized. Liability-only insurance is a budget oriented option because it’s cheaper. However, in this policy, the customer isn’t personally covered in the case of an accident. Due to this, many drivers find themselves paying for their medical and vehicle expenses out of their own pocket.
Keeping the above in mind, as a business owner, you need to decide whether you want to pay such high amount all at once in exchange for avoiding higher monthly premiums. For some businessmen who own small businesses, would probably go bankrupt if they’ve to pay such a high cost.
Solution:
The way you could save on the cost of insurance would be to combine the insurance policies. Only a few insurance companies offer a lower rate to the customers who combine their auto insurance and homeowner’s insurance together into one monthly payment.
Search a proper balance between paying a high premium and a deductible. Something that you could be comfortable with and to stay safe and profitable. A lower monthly premium can be appeasing but if you’ve to pay $1,500 or more out of your own pocket before the insurance helps then, it could cripple you. Also, it could bring more problem if it happens at the wrong time.
Uber insurance policy always comes in handy when driving for Uber, Lyft or any other TNC. It doesn’t matter if you’ve to pay an additional monthly fee for this. Also, it’s advisable to keep the amount of your deductible saved up as it can help you to stand up o your feet again. Also, It doesn’t matter whether you’re at fault or not during an accident. Consult your insurer for more information.
UBER
BACKGROUND CHECK:
HOW LONG AND WHAT
TO EXPECT
- Drivers: who are generally claiming for better fee and rights.
- Passengers: who claim against the mistreatment they’ve received from Uber drivers.
- States: who are hoping for better regulation of the service.
WHAT IS AN UBER
BACKGROUND CHECK?
In order to be an Uber driver, every candidate is subjected to go through Uber background check which takes place at the end of the Uber driver signup process. The candidates are required to allow Uber which is usually a third party provider to run a background check on them.
In the check, the following is being evaluated by the third party:
- Criminal history.
- Motor vehicle record.
Keeping in mind the basic priority of Uber, any candidate who has felonies in his record or has a bad history of driving are rejected.
WHAT YOU NEED TO KNOW ABOUT UBER BACKGROUND CHECKS AS A PROSPECTIVE DRIVER?
Many prospective drivers face rejection after the completion of the background check. It’s obvious that the situation makes them imperceptible but it’s necessary to understand the process of a
- There is an analysis of the criminal record and motor vehicle record.
- There’re different local laws and regulations of each state that contain specific Uber background check criteria.
Things required to pass Uber background check:
The drivers should acquire the following in order to pass of Uber background check:
- CRIMINAL RECORD: The record shouldn’t contain any information on felony, sexual offense or violent crime within the span of 7 years.
- MAJOR VIOLATIONS: There should be no major violations such as DUIs and reckless driving within the last 7 years.
- MINOR VIOLATIONS: Within the span of three years, there should be no more than 3 minor moving violations such as speeding tickets or failure to obey traffic laws.
- LICENSES: The driver should have a valid driver’s license and motor vehicle record (MVR).
- U.S. LICENSING: The drivers should have more than one year of U.S. licensing history. However, if the driver is less than 23 in age then, he needs to have at least 3 years licensing history.
Uber background check is free of cost and involves the usage of social security number in order to check the driving record and criminal history. However, checking of the credit card and its details isn’t a part of the process.
Key takeaways of Uber background check:
- A lot of stress is given to driving record of the Uber drivers where any driver who has a major moving violation in the span of seven years won’t be accepted.
- The third party which undertakes the job of background check is accredited by the National Association of Professional Background Screeners.
- Since the process of Uber background check undergoes with a lot of strict observation, the lawsuits claimed against Uber hardly ever stand a chance in the courts. Also, these background screenings are conducted by a well respected industry leader.
- The regulation of the criminal background check of the Uber drivers is done through state and federal law. These laws though are different in every state.
HOW OFTEN DOES UBER DO BACKGROUND CHECKS?
In many states, Uber runs background check on its drivers every once a year. As there’s no specification to the date, it’s hard to predict when the screening might take place. Uber may also rerun background checks if there’s a new law introduced or if there’s any change in the standards.
RED FLAGS
During an Uber background check, if you do the exact opposite of what is required to pass the background check then, you might find yourself on a landmine where you blow everything up. (See the first sub-heading of the third heading to know the requirements to pass the background check.)
Checkr is the major background checking company of Uber. However, still, Uber has the rights to decide which driver is apt to become an Uber driver. Along with Uber, Checkr provides services to on-demand app services such as:
- Grubhub.
- Handy.
- Instacart.
- Postmates.
HOW LONG DOES AN UBER BACKGROUND CHECK TAKE?
The time duration taken by Uber for the completion of background check process is 5-7 days. However, the time period could exceed or decrease depending upon the number of applications that are being processed at the current time.
Howbeit, if the time duration exceeds the limit of 7 days then, you should contact Checkr through support@checkr.com or Uber support. Also, as soon as your application is approved by Checkr, it’s Uber’s job to see whether you’re potent or not. If there’s no reply then, reach out to Uber.
UBER BACKGROUND CHECK DENIED? HERE’S WHAT TO DO.
Uber is very inconsistent when it comes to declaration of the tests. This means Uber may/may not inform the candidate about his selection/rejection. According to Uber, you’ve to wait 10 business days in order to contact them about the result.
HOW TO CONTACT UBER BEFORE YOU BECOME A DRIVER?
In order to contact Uber, you can visit the official page of Uber which can be surfed by non-members as well (people who don’t have an Uber account). However, the stability of the page is uncertain.
If in case, there’s no official page found then, do the following tried and tested method in order to contact them. (We’re providing with a generalized process as the possibility of changes in the page is quite frequent).
- After you’ve managed to make/have a rider account, go to help.uber.com.
- Click on any of the main question groups and afterwards, perform a page search on the word — «other». The page would enlist everything related to «other» and «another».
- Links which say something like — » I have other/another question(s)», will take you to the page where you would be able to send them a message.
- Uber might reply you in 24 hours and then, you can go forward with the email conversation.
The best way to get a decent answer from Uber:
- Your initial request should be short and simple.
- Always state your name and email address you’ve signed up with. Along with it, write the phrase — «I’ve applied to be a driver» when you’re inquiring about the status of the application.
- Be polite in situations where you don’t get the desired response of the question you’ve written to them. Ask them again with courtesy and politeness.
- You may have to go through the same process twice or thrice before you’re answered.
FAQS
«My background check says ‘consider’ next to it. What does that mean?»
Consider basically means that there’s some sort of issue with your background check and Uber needs time to decide whether you’re apt for the job or not. However, many of the times, it’s a clear indication of the application being rejected.
«I’ve been accused of a crime but I haven’t been convicted yet. Does Uber see pending charges?
Yes, Uber can see the pending charges in your background check and might use it to reject your application. However, in case you get rejected, you can always reply after 3-6 months when those charges are cleared.
«My background check is incorrect/incomplete. How can I dispute it?»
Send your inquiry to disputes@checkr.com.
QUICKEST
WAY TO CONTACT
UBER CUSTOMER
SERVICE
DO’s AND DON’Ts
UBER CUSTOMER SERVICE PHONE NUMBER:
Though there’s an Uber customer service phone number but many customers can’t take any advantage of it. It’s because the number is given to only those people who have a Premium account with Uber. Regular customers have to use the Uber app or go to help.uber.com.
How to see if you can contact Uber customer service through the phone number?
- Go to Uber app and click on the menu button.
- Tap Help and then, look for Call support option which is located at the bottom of the page. If there’s no number provided then, it’s possible that the facility isn’t available to your account.
- The Uber phone number for ‘Premium riders’ only are: 1-800-314-2308. If you aren’t able to get in touch with Uber through this number then, you don’t have access to telephone support.
Contacting your Uber driver:
Once your ride is over, it’s a waste to contact your driver for any kind of problem, other than coordinating with him for any lost item of yours in the car.
Contacting your driver would be dead end since they’ve no control over the paid price or the fees charged or issues you’re facing with your account.
Critical safety response line:
Inside the Uber app, there’s a critical safety response line. The number is however should be used only in case of emergencies or serious safety-related complaints only. Regular complaints won’t be entertained here.
UBER APP/HELP SITE:
The customers are also not allowed to directly send an email to the customer service email address. It’ll certainly bounce back.
Instead of it, they can use «Your trips» inside the Uber app to get help if they’ve any problem with a specific ride. Or to make things more simplified, they can simply go to the Help section of the Uber app or post their issue on the help.uber.com. However, they must wait for 24 hours for a response. Once Uber responds. reply them via email or through «Support messages» feature in the Help section of the Uber app. It’s considered one of the fastest ways to get service from Uber.
How to contact Uber Customer Service as an Uber driver:
Alternatively, Uber drivers have the liberty to call Uber but via the Uber driver app. However, this facility is provided in some cities only. The process to call Uber for Uber drivers is:
- Click Account in the Uber app.
- Go to Help.
- Click on the phone icon (Phone no: 1-800-593-7069) in the upper corner to call Uber.
Many drivers have successfully resolved certain issues through this process or by visiting help.uber.com.
HELP ARTICLES AT help.uber.com:
The best way to get in touch with Uber is to search a help article at help.uber.com. It’ll help you to get easily related to the issue and correspondingly, contains a form to get in touch with Uber via email.
If there’re problems with a certain trip then, search for your trip receipt inside the app and then, go to the help article that addresses your issue. However, as there are a large number of articles on the site and organized in an arbitrary manner, finding the appropriate article might become the task of the day.
To help its customers, Uber has planted a search button on the Help page which will help you to find your suitable article. For example: If you’d lost an item and want help then, type «lost» in the search bar. The page would lead you to every article that contains the word «lost» and you can then, choose your fitting article. Once you find your article, find a contact form that is near the bottom of the page. It’ll directly lead you to the customer support line.
NOTE: Only type one word liners in the search bar. Don’t write full sentences to complicate things.
How drivers can ask Uber a question at help.uber.com?
There are a variety of support articles but the Question submission forms are buried behind the menus by Uber. The process to find them is:
- Enter the site — help.uber.com.
- If you’re operating from computer: Click on «For Partners» on the left. Or if you’re operating from mobile: Click on the «For Partners» at the top.
- Under the Account and Payment section, click «More».
- Go to «Changing Account Settings»/ Search bar and click/write «I’ve another account issue» respectively.
SHORT AND CRISP MESSAGES:
Uber doesn’t really have a lot of time to read your lengthy messages and reply accordingly. Therefore, it’s very necessary that you always write on-point. The message should be:
- as brief as possible i.e. mot more than 2 lines.
- only essential information should be written.
- Always mention data such as specific dates, times, amounts and ride numbers to sound more precise and worthy.
Usually, the responses sent by Uber are copied texts of a supporting article which aren’t directly related to your problem. In such cases, it’s better to be patient and resend them your issue with a spoon of politeness. The reply will be emailed to you or will appear in the Support Messages area of the app in less than 2 days.
UBER DRIVERS: HOW TO CONTACT UBER SUPPORT AND GET HELP
Along with the option of calling an Uber representative or going to help.uber.com or the contact forms which are given in the driver app, Uber drivers are also offered in-person help at Greenlight Hub offices.
In-person help at Greenlight Hub offices:
The Uber representatives at the Greenlight handle your problems with extreme care and precaution. Though, the time spent by them on your issue will be a little longer but your issue would be dealt correctly. To find out the places where Greenlight Hub is located, go to help.uber.com. Or you can click «For Partners» and search the relevant article.
How drivers can ask Uber a question inside the Uber driver app?
In order to send a question to Uber through Uber driver app, follow the given instructions:
- Go to Account> Help> Account and Payment> Change Account Settings> I’ve another account issue.
The steps mentioned above show the process of finding a contact form for general account problems wherein Uber will reply to any question asked. More to that, there are built in features as well which help in asking answers for questions related to payment and fare reviews.
How to view your existing support threads with Uber drivers support?
Go to Account tab> Help> Support Messages. After the submission of the question, you can now trace the support thread with Uber inside the driver app. Your submitted questions will be visible to you through the help forms wherein you can now see the replies of Uber and update the thread accordingly with your own replies.
To know more about Uber customer service or any other information regarding TLC companies or rideshare profession or insurance, click here.
UBER
RATES
AND
UBER FEES
UBER FEES CHARGED
TO CUSTOMERS
There’re different types of Uber fees that Passengers are charged with and are unaware of. These are:
Cancellation fee:
Uber passengers have to pay a cancellation or no-show fee in these certain situations:
- You’re required to pay a fine if you cancel your ride request which is accepted by the driver after more than 2 minutes.
- You’ve to pay if you arrive 5 minutes late to the destination where the driver is waiting. This situation is actually called as a no-show fee situation. Here, the Uber driver is provided with the option of cancelling your ride thereby, showing — no-show, or he charges $5 for tardiness.
The Uber fees differs according to the type of vehicle. Normally, it’s $5, however, for cars such as UberBlack and SUV, the fee is $10.
Avoiding the situation:
Therefore, the effective way to avoid cancellation fee is to prevent tardiness. The Uber app sends you a lot of notifications before the arrival of the driver.
However, there’re some drivers who try to misuse the situation but, Uber app always keeps a check on the cancellations and fire those drivers.
Can you get a refund for the cancellation fee?
The answer to it would be that it may be that you get a refund. We cannot say always. However, this Uber fees is more likely to be refunded against the others. In order to that, enter your topic of conflict inside the app or you can go to help.uber.com. Uber tracks every minute record of both the driver and the passengers, therefore, there’re less issues in any case of dispute.
Wait time fee:
According to a few Uber markets, passengers are required to pay Wait Time fee which is very less in amount — $0.10. It’s to be paid by the passengers when they fail to arrive within few minutes of the driver’s arrival.
If in case, the driver shows a no-show situation, then you wouldn’t be charged with the Wait Time fee. However, this fee isn’t charged to the customers on trips to/from airport or UberPOOL.
Booking fee:
Around $2.40 are charged to every rider as it’s considered a flat fee. This is done so as to cover the Uber costs and is non-refundable in nature.
The price of the Booking fee depends upon the city you’re in. However, currently, the price of Booking fee is around $2.40-2.80 per ride.
Avoiding the fee:
There’s no way to avoid this fees. It’s compulsory to be paid. UberEATS also charge a Booking fee.
Can you get a refund for the Uber Booking fee?
The only manner in which you can get a refund is when the cost of the entire trip is refunded.
Cleaning fee:
You’ll be obligated to pay around $20-150 if you create a mess in the Uber driver’s vehicle. If in case the driver claims that you’ve left a mess in the car then, Uber will send you an email regarding the same where you’ll be obligated to pay for the mess you caused. The issue isn’t handled in person i.e. face to face confrontation of the driver and the passenger. This is because the driver has to send a photographic proof of the mess created to Uber.
However, there’re some drivers who tried to disobey the rules and have been deactivated immediately.
Generally, the mess comprises of the:
- Fluid stains.
- Food stains
- Vomit.
Though the cleaning charges are pretty high for some passengers but they’re easily backed off of standard cleaning prices throughout the country.
Can you get a refund for the cleaning fee?
The answer is positive but it can only happen when you didn’t create a mess or the mess that is accidentally created, isn’t that bad. You can confront Uber for the charges applied, but keep in mind that there’ll be some going back and forth in this process.
How to confront Uber for the cleaning fee issue?
Follow these steps:
- Open the Uber app or go to riders.uber.com.
- Under the category of «your trips», search for the trip for which you’re charged.
- Click on the «review my fare or fees».
- Search for the line — «I was charged a cleaning fee». There, you’ll find a message box that gives you the permission to share your details and confront the charge.
Lost item fee:
$15 will be charged to you by the driver if in case he returns your lost item to you. However, this fee is taken by the riders in selected cities only.
Furthermore, you should always keep in mind that Uber drivers aren’t responsible for your lost items.
How to recover the lost item?
Follow these instructions step by step:
- Go to Uber app and click on the menu.
- Select «your trips» and pick the trip where you’ve lost your possession.
- Tap «I lost an item» and complete the other details.
Your driver will contact you and then, it’s upon you both to arrange a particular day and place.
Airport fees and surcharges:
You’ve to pay $4 in case you’re being dropped off/picked up from an airport. This fee is charged by all the airports and is included on your Uber fees.
Can you get a refund on airport fees?
There’s no avoidance to this fees.
Toll charges:
Toll charges come under the responsibility of Uber passengers and are included in your Uber fees. The Uber app knows if there’s any toll during your trip and successfully adds its cost in the up-front price of the ride request.
However, if your driver asks to pay for the toll in cash to him then, contact Uber after your trip is over. Go to «your trips» section to submit your problem.
Can you get a refund for the toll charges?
If in case your driver takes cash for the toll charges then, you’ll get a refund with double payment. However, is the cost is included in your fare, then you won’t get any refund.
HOW TO DISPUTE UBER FEES ?
If you think that you’re being wrongly charged for a certain fee then, follow the instruction step by step to reach your goal:
- Go to the Uber app or help.uber.com.
- In the app, click on the menu icon.
- Go to YOUR TRIPS.
- Select the trip in question.
- Choose «review my fare or the fees».
- Pick up the relevant menu item and fill in all the details of the form.
After you’ve successfully submitted your form, Uber will contact you via email. Though Uber is quite determined on charged fees, bu ta little resistance can sometimes help.
TEMPORARY AUTHORIZATION CHARGES
When you add a new payment way, Uber makes a temporary authorization charge. It’s done to verify the activation of your payment method. The authorization charge is $5. However, it’ll disappear itself after a few business days.
We provide you with the opportunity to enhance your knowledge on the aspects that could give you a great start in your professional life along with the security in the form of insurance.
UBER
DRIVER APP:
EXPLAINED
- Management of the account,
- Getting help from Uber.
Though the Uber driver app has added a lot of features over the years but, there’re certain downfalls which cause immense trouble to Uber drivers. One of the problem is the lack of organization. Lack of portals have created a long painful journey for the drivers where essential things also get comprised.
For example: If you want to ask a question from an Uber representative or have to report an accident then, you’ve to go through many menus, links and chains of articles to do such.
However, Uber is now making huge progress by rectifying all the plot holes.
DOWNLOADING THE UBER DRIVER APP
You can easily download the Uber driver app from Google Play Store or Apple App Store. However, you’ve to fulfill these requirements in order to run the Uber driver app on your phone. These are:
- ANDROID: The model year of the phone should be 2013 or newer. Also, android status should be 4.0.
- iPhone: iPhone models such as 4s or iOS 9 or newer.
HOME SCREEN
The features that you can access from the home screen are:
Go online button:
- You’ll see a Button «GO» on the home screen which will bring you online. Being online gives you the facility to receive and accept ride requests.
- If you haven’t enables the notifications bar then, you’ll receive an alert for the same.
- If in case your account is de-activated then, en error message will pop-up as soon as you try to click on the «GO» button. In such case, you need to submit your query in the help department.
Map with surge areas:
The map helps you to locate yourself and places with surge pricing. Also, it never reveals the locations of other drivers which in turn avoids clustering of other drivers.
However, if you want to know the locations of other drivers then, you need to download and sign in the Uber passengers app. This app will give you the positions of the ten nearest drivers.
Destination Filter:
Through enabling destination filter twice per day, you can make your rider go towards a specific location. This becomes useful when:
- You want to earn when you’re driving in and out of the city.
- You want to earn through rides that head towards an occupied area like airport.
In the upper left corner of the home screen, you’ll find a magnifying glass icon which will help you switch on the destination filter. Enter the destination address and then, click Set Destination. However, this feature can only be twice in a day.
The Trip Planner:
In the bottom side of the home screen, you’ll find a tab that opens the trip planner. In the planner you can:
- Look for upcoming promotions.
- Calculate your driving time in a day.
- You can choose your driving preferences i.e. you can control your types of ride requests and enable/disable the on-demand delivery requests.
UBER DRIVER APP EARNINGS
To locate most of the features of the Uber driver app, you just have to tap your face image in the upper right corner of the home screen. However, this feature of face image will soon be changed as it fails to provide good usability. It opens up a new tab which contains options for:
Account:
In the account section of the Uber driver app, you can see and accordingly change the settings that are related to your stuff such as:
Uber driver App settings:
Here, you can supervise your app settings which include:
- NAVIGATION: You can select your favored navigation experience i.e. you can use Uber’s in-app navigation technique or Google Maps or Waze. Also, you can control the Uber navigation voice features.
- NIGHT MODE: You can suggest the darkness level of the app.
- SHARE TRIP: It works as a safety feature as you can share your location with a contact.
- SPEED LIMIT: It warns you as soon as you exceed the speed limit.
- SOUNDS AND VOICE: You can use Toggle accessibility feature such as Screen flash or vibration for requests. Also, you can tell your passengers that you’re deaf or have
problem with hearing.
Documents:
Under this section, you can see and change your driver documents. Go to partners.uber.com if you want to upload an updated one. Also, it gives warnings to you in color coding if there is an expiration.
Driver perks:
Drivers are offered many perks by Uber. However, these perks are generally discounts on third-party services such as Uber Visa debit card. Other perks offered to drivers are:
- CAR MAINTENANCE: You’ll receive discounts at auto parts shops and services from national repair chains when you go for car maintenance.
- FINANCE: In order to maintain finance, you can use soft wares like Quickbooks and tax preparation software.
- HEALTH: Uber provides you with Stride Health and health insurance opportunities for the self employed.
- PHONE: You can receive discounts on plans from major carriers like Spring, AT&T and Verizon.
The discount rewards will be different based on the availability so it’s better to check out the app from time to time.
Insurance:
Under this section, you can look for the insurances and the coverage that you might need in case of an accident. There’re three sections:
- CONTINGENT PHYSICAL DAMAGE COVERAGE: It renders you with a certificate of insurance and shows collision coverage details.
- DRIVER INJURY PROTECTION: The present code is $0.04 per mile. It provides you with additional coverage for things such as:
- Disability payments,
- Medical expenses,
- Survivor benefits.
- LIABILITY COVERAGE: It offers you with a certificate of insurance and shows other related important information and liability coverage details.
Payment methods:
Through this, you can view your active payment method and install Instant Pay. You can edit and delete your current payment method by visiting partners.uber.com.
Vehicles:
It shows eligible vehicles on your profile section. Under this area, you’re also given the option to add another vehicle or perceive rental options. Furthermore, visit partner.uber.com if you want to change vehicle details for existing vehicles.
Earnings:
In the Uber driver app, there’s an earnings area which shows you the complete information about your earnings. You can see both your current and past earnings report and subsequently compare. However, the most important feature of earnings area are:
- Displays your current week earnings.
- Recent account transactions.
- Upcoming promotions.
- Using of Instant Pay to cash out your earnings.
Earnings details:
It reveals:
- Completed trips
- Daily earnings
- Expected weekly daily deposit
- Time online
The changes in your daily report aren’t instantaneous. Transactions that don’t get computed to your account till the week end include payouts fro hourly guarantee promotions.
Trip history:
There’ll be a «SEE TRIPS» button on the earnings details page. Here, not only you can report issues with individual rides but also, you’ll be able to see:
- Each trip earning.
- Recent trip history.
- Surge price applied to individual rides.
- Uber’s commission.
Report an issue on an individual ride:
Identify the ride and then, click on the «HELP» button. You can report about the following:
- About the passenger.
- Fare amount.
- Involved in an accident during that specific ride.
- Things that have been left in the car.
Recent transactions:
Tap on the transaction to visit and view the following:
- Instant Pay «CASH OUT» option.
- Listing of each trip or referral reward.
- Week’s balance.
Promotions:
It provides announcements on upcoming promotions such as:
- Hourly fare guarantees.
- One-time bonuses if you drive at a certain period or time.
Invite and earn:
You’re provided with driver referral link and driver promo code. Through this, you can attract more drivers towards this app and simultaneously, earn bonuses when any other driver uses your given code or link and completes the required number of rides.
In this section, you’ll also have two reports:
- Invite status: It gives you the report of all your invites and their process location.
- Pending and invite status — Goal complete: You can keep a check by watching out whether they’ve signed up and have started driving or not.
Instant Pay:
Instant pay is a process through which you can cash out all your Uber earnings. The minimum amount to cash out is $1 while the fee for each transfer is $0.50. You can use Instant Pay only 5 times a day.
To use Instant Pay, you’ve to follow these steps:
- Tap on your profile picture on the home screen.
- Click on earnings.
- At last, click on cash out.
But, in order to use Instant Pay, Uber drivers require a debit card. In case they don’t own a debit card then, they should apply for Uber Visa debit card which is created and serviced by GoBank.
In order to apply for Uber Visa debit card, follow these steps:
- Go to Accounts.
- Click on the Uber Visa debit card area.
How to see past pay statements in the Uber driver app ?
Follow these instructions step by step in order to see the pay statements of previous week or the next:
- Go to the earnings area.
- Click on earnings details.
- Tap on the arrows (< and >).
Also, you can visit partner.uber.com where you’ll find your previous dates at the top of the report.
Help:
If you’ve any problem while driving or with a passenger or anything with trouble, you can contact Uber for help. Also, you can help yourself by reading articles about the problem that you’re facing.
To use help, you need to:
- Click on your profile image that is on the home screen.
- Tap help icon which you’ll find at the upper right corner.
The help feature is a bit exhaustive as the answers to your issues are hidden in the articles that are mentioned there. Furthermore, there’s no search button which can simply things. However, in such cases, you can utilize the in-person office known as Greenlight Hub.
Help categories in the driver app:
- ACCOUNT AND PAYMENT: Under this, you can communicate for issues that are related to:
- Fares and promotions’ information,
- Payments information,
- Sign in,
- Updating of documents.
- DELIVERING WITH UBER: You’ll find information related to UberEats.
- FEEDBACK: Here, you can submit your feedback about your driver app experience.
- MORE: It includes:
- Accessibility issues.
- General phone or app issues.
- Safety issues and more.
- SIGNING UP: You’ll be able to find information on:
- Creating an account.
- Downloading Uber.
- Driver requirements.
- TRIP ISSUES AND ADJUSTMENTS: Here, you can report about the issues you face in any trip and also, ask Uber to revise a fare.
- USING THE APP: In this, you’ll find articles on how to utilize the app properly.
The support center:
The support center button is located at the bottom hand of the help section. It gives you with the options of «VIEW MESSAGES» (A bar of past messages from support)and «CALL US» (An icon which calls Uber driver support if it’s available in your city).
Notifications:
As given above, this feature opens through the tapping of face image on the home screen. Any update or news about promotions which are posted in the Uber driver app, are processed to you through notifications.
Profile:
Your profile area contains three features:
Profile details:
In case you want to edit any detail, you need to click on the pencil icon which is located on the upper right corner. You can change your photo and further add more details about yourself then.
However, if you need to access your profile details in order to change your name or to see other important information like tax details then, you need to go to partners.uber.com.
Your driver ratings:
You’ve to keep in mind that your driver rating should be at least 4.6. If in case, the rating is less than that then, it’s possible that your account may get deactivated. The profile section will lead you to your current average star rating.
When you’ll click on the rating, it will present you a graph that will show your last 500 ratings. This graph demonstrates you with a dispersal of star ratings from 1-5. You can also see the report of the passengers who have given you rating less than 4.
However, you have the freedom to ask for the reason of those passengers who have given you a rating of less than 5.
Riders compliments and achievements:
It shows all the compliments and achievements that your riders have adorned you with.
FAQs
According to Uber driver app, what are the phone requirements?
Click the heading — DOWNLOADING THE UBER DRIVER APP.
How do I download the Uber driver app?
The Uber driver app can be easily downloaded form Google Play Store or Apple Store. You just have to search for Uber driver app. Or you can go to help.uber.com. There, you’ll find — For Partners > 5 Star Partner Guide > Account Setup section and then, click Downloading the driver app.
I’m not able to log in. What should I do?
If you’re a new driver and you’re not able to log in then, it may be because your account isn’t activated yet. The time period for full activation is 5-10 days. However, if it’s been longer than that then, you should contact Uber.
If you’re already a driver and you can’t log in then, it simply means that your account has been deactivated. In order to find out the reason for deactivation, you need to submit a question to Uber or visit an in-person office.
How do I submit a question to Uber?
Most queries can be solved through:
- Contact forms that are located inside the help section of the Uber driver app.
- Go to help.uber.com.
If there’s an issue with a specific ride then:
- Search the ride through your earnings details.
- Through the Trip Issues and Adjustments page in the Help section.
If you want to directly send a question to Uber then:
- Go to Help.
- Next to account and payment.
- Click on changing account settings.
- Type — I have another account issue.
How do I submit a question to Uber if I can’t log in to the app?
You can submit your question online at help.uber.com.
How do I call Uber? Is there a support phone number?
Yes, there’s a driver support phone service. Go to Help and then, scroll down to «CALL US». However, this service isn’t very humble.
I’m already an Uber driver, but I want to do delivery too. How do I do that?
To sign up for delivery, follow these steps:
- Go to Help.
- Click on Delivery.
- Tap on sign up to deliver with Uber.
There’s an issue and submitting a question is of no help. What should I do?
Visit an in-person Uber Greenlight Hub.
We at Ayroyals, provide you with the opportunity to be insured and thereby, securing your life and your loved ones from any unexpected circumstance. Along with it, we offer you qualitative information about your choice of professions.
LYFT
APP FOR
PASSENGERS:
EXPLAINED
THE LYFT PASSENGER
APP FEATURES
The map:
The Lyft app home screen is a map which not only tells you your location but also indicates the available Lyft cars. It allows you to chose your pickup and drop-off location. Furthermore, it gives you a wide range of Lyft services from the map to choose from.
«Where are you going?»
It’s a search bar which is located on the center of the map that helps you to set your destination. Afterwards, you’ll be given the choice to pick the level of Lyft service you want and accordingly, you can change your pickup and drop-off locations.
THE LYFT APP CHANGES
One tap to ride:
It’s the most convenient feature in the Lyft app. Through this app, you can easily request your most frequent destination with a simple click of a finger such as your home, work location, favorite restaurant, etc.
After you’ve chosen your destination, you’re required to choose the following from the list of ride options such as:
- Lyft pricing
- Arrival time.
- Vehicle size.
Move your pickup spot:
As every city is filled up with tall buildings and skyscrapers, it becomes very difficult for rideshare apps to find out your exact location. In the Lyft app, after you’ve selected your Lyft car type, you can change your location to a more specific location so that you’re easily traced.
In conjugated areas, Lyft app also recommends you better and easily approachable pickup location so that your driver could reach you faster and with convenience. This makes the pickup process less time consuming also. To factualize the above statement, this idea was tested in San Francisco, CA, where over 20,000 pickup passengers were recommended a location congested and traffic free. The idea was highly appraised and nominated.
Watch your step:
It’s an easy-to-read map which provides you the following services:
- Highlighted route.
- Exact time of pickup.
- Estimated arrival time.
With these cervices, you can now easily plan your trip and arrive on time without any delay.
HOW TO SELECT YOUR LYFT SERVICE
Every Lyft service has its own purpose such as:
- Lyft line: It’s a shared ride with other people like UberPOOL.
- Lyft Plus: It seats 6 passengers.
- Regular Lyft: It seats 4 passengers.
- Lyft Premier: It’s a luxury sedan that seats 4 passengers.
In order to choose your desired Lyft service, click on the circular icon that is near to the bottom of the screen. Afterwards, you can select from the list of services offered.
LYFT PASSENGER APP MENU
In order to access the app menu, click on the menu tab that is located in the upper left corner. The menu options are:
Free rides:
It demonstrates how can you avail free rides by referring the app to other/new passengers.
Get a ride:
It leads you to the home screen.
Help:
It depicts you the most recent ride and provides you with links of support articles at Lyft.com which help in answering your doubts.
Notifications:
It sends you information about promos, offers or any account related problems.
Payments:
It allows you to add or remove payment methods as per your choice. Also, you can set a default payment method to avoid any type of problems.
Promos:
Here, you enter a Lyft promo code in order to attain a free ride.
Ride history:
It provides you with a record of recent rides that you’ve taken. Along with it, you can also view how much have you paid, request a fare review or try to search for your any lost item.
Settings:
It shows your account information. Also, you can add shortcuts such as Home or word address.
LYFT LINE CHANGES TO LYFT SHARED
Lyft shared is basically the adapted new name of Lyft shared ride services. In these services, you get to travel with other passengers who are unknown/known to you and pay less in comparison to other services. However, during this ride, the driver may pickup/drop-off other passengers who are travelling in the same direction.
To put more emphasis on Lyft shared, Lyft has raised the driver pay rates to the extent that now, they are equal to regular Lyft rides. Along with it, the option of shared ride appears first in the list when passengers are choosing their destination. The reason behind this emphasis is that through Lyft shared, Lyft if trying to lower their carbon footprint.
Lyft shared ride pricing:
The price of Lyft shared depends upon these factors:
- Type of the city.
- Availability of driver.
- Likelihood of getting paired with another rider.
You’re required to pay the amount of price shown in the app. The price shown isn’t dependent on the number of passengers travelling with you. Also, the waiting period of the driver will always be one minute.
LYFT BIKE, SCOOTER AND CITY INTEGRATION PLANS
The new version of Lyft passenger app is developed in such a way that it can now be integrated with public transportation systems. The integrations will,
Recently acquired Motivate (North America’s oldest and largest bike-share company), Lyft is stratergizing to strengthen its eco-friendly idea through transportation. Motivate runs in major cities like New York, San Francisco Bay, Chicago, Boston metro, Washington D.C., Portland metro, Ohio and Minneapolis.
Through the acquirement of Motivate, Lyft has been able to make new changes in the app such as:
Lyft passenger app integration:
Through this feature, Lyft passengers can now rent bike (This new venture is also called Lyft Bikes). Along with it, the use of bicycles and scooters have given riders the opportunity to skip the traffic and avoid busy major routes.
Existing bike-share infrastructure:
Motivate has really helped Lyft to each out to all the major cities of U.S. Instead of competing with other transportation businesses, Lyft is partnering with them to provide more options and choices.
For more information regarding any Lyft service, contact here. Along with it, you can also shop for insurance options and coverage details.
BEFORE
YOU APPLY FOR
LYFT VEHICLE INSPECTION:
READ THIS
LYFT VEHICLE INSPECTION
Read the article to have a proper knowledge of how to become a Lyft driver and what are all the Lyft vehicle requirements.
After you’ve passed all the driver requirements, you’re only required to fulfill the vehicle necessities. Though some requirements are very straightforward yet, there’re many which could cause trouble. This trouble would ultimately lead you in your rejection of your inspection.
Every new Lyft driver has to get their cars checked by an expert, state licensed mechanic which takes a close look at both the cosmetic and mechanical intricacies of the car. The things that they mostly check are:
- Lights
- Seat-belts
- Tires.
However, if you own a new vehicle then, The expert will simply take a VIN of the car and provide you a professional response which will be based on your car’s condition.
LYFT VEHICLE INSPECTION REQUIREMENTS
Like Uber, Lyft drivers are also required to get their vehicles checked at least once a year. But before doing so, it’s advantageous to look for the problems and lost/damaged things for yourself so that the inspection process runs smoothly. It’s also beneficial because you won’t give in to the unnecessary demands made by your mechanic.
You can always opt for going to an auto repair shop if you find any trouble with your car. Also, the most important thing to be remembered is that Lyft basic aim is to safeguard its passengers. Therefore, you should give proper focus towards any security issue in your car.
Lyft drivers can have their vehicle’s annual re-inspection done with no costs involved. Places where you can get free re-inspection are:
- Los Angeles
- Orange County
- San Diego and the surrounding areas.
LYFT INSPECTION COST
Though the process of inspection for Uber and Lyft are very similar in nature but unlike Uber, Lyft’s inspection is not free of cost. You’re obliged to take your vehicle to a licensed mechanic only and have to pay for the same. However, the cost of the inspection differs due to the mechanic but the amount which is generally charged is around $19.99.
IMPORTANT NOTE: Always take your vehicle to a mechanic who focuses on inspections only. This is because the other mechanics would always try to find faults in your car thereby, trying to earn more money.
LYFT INSPECTION FORM FOR REQUESTING A VEHICLE INSPECTION
Before you start searching for places for vehicle inspection, it’s better if you first request for an inspection.
The method for requesting an inspection is very easy as you only have to fill the form that is requested by Lyft. The details include:
- SUBJECT: Your subject of the form should be INSPECTION COMPLETED.
- I AM A(N): Under this, you’ve to mention your designation i.e. APPLICANT.
- QUESTIONS FOR THE APPLICANT : Enter your question here which is CREATE/UPDATE MY DRIVER PROFILE.
- APPLICANT PROFILE UPDATES: Fill this blank with OTHER PROFILE REQUEST.
- ADDITIONAL DETAILS: Here, you have to ask them to look over your attached inspection form. Also, request them to add the following form in your profile.
- After you’ve done the above steps, click on the ADD FILE option and subsequently attach your completed Lyft inspection form.
- Click on the option which says that you aren’t a robot.
- Click on the SUBMIT option.
- Afterwards, you’ll receive an email form the Lyft support system.
Though the inspection form requires your signature but, sometimes, it’s accepted by Lyft in spite of the missing signature.
LYFT INSPECTION LOCATIONS
Earlier, Lyft used to accept Uber inspection forms but, now the scenario has totally changed. Since the moment Uber has started with the electronic activation centers and inspection forms which offers a format of certification, Lyft has refused to support them.
In order to get your Lyft vehicle inspected, you’ll be required to pass the Lyft test which consumes 30 minutes of your day. Your Lyft vehicle can be evaluated at places such as:
- Certified mechanic
- Jiffy Lube: It’s a normal brick and mortar business which is often heavily crowded. Due to this, Lyft drivers have to wait a long time for their vehicle inspection.
- Rideshare mechanic: Rideshare mechanic comes under the category of Mobile inspection service. This service is considered as one of the most cheap and easy method to get their vehicle inspected. Through this service, you can get your vehicle inspected over a video chat done through your smart phone. Or, if you prefer, they could come at your place for vehicle inspection.
In Rideshare mechanic, you can have an online video chat inspection. Through that video, you can have your full inspection done of your car no matter where they’re located. Furthermore, through rideshare mechanic, you can get both Uber and Lyft inspection done at once. Getting the inspections done at the same time would cost you less money i.e. $45 in comparison to one inspection which costs $25.
WHAT TO DO IF YOUR CAR DOESN’T PASS AN INSPECTION?
If your car fails in the vehicle inspection, then you must look out for the possible errors. After you’ve corrected those, you can then safely apply for re-inspection. The inspection is an easy and straightforward process so, if your car isn’t able to meet the basic requirements that are needed to pass an inspection then, we sincerely suggest you to overcome those issues and try to maintain the car standards.
CHECKLIST FOR LYFT VEHICLE INSPECTION
Lyft inspection ensures safety of both the riders and driver and therefore, it’s an important part when it comes to being a Lyft driver.
Items which are always checked and covered by the mechanic during the inspection is mentioned below:
- Bumpers
- Doors
- Emergency brake
- Foot brakes
- Front seat adjustments
- Headlights
- Horn
- Interior/exterior rear-view mirrors
- Muffler/exhaust system
- Rear windshield and remaining glass
- Safety belts foe passengers and driver
- Speedometer
- Steering mechanism
- Stop lights
- Tail lights
- Tires and tread depth
- Turn indicator lights
- Windshield
- Windshield wipers
Weprovide you with all the key points and factors that would help you to sustain a better professional life at work. Along with it, we help you to insure yourself and your family at difficult phases of your life by offering you the best deals in insurance policies.
UBER
TAX FORM:
AVOID TAX MISTAKES
WHILE YOU DRIVE
FOR UBER/LYFT
The basic question now arrives is that what should be our primary step? Well, firstly, during the tax time, you need to report all your income without any mistakes. Also, while doing that, keep in mind that you maximize your deductions too.
TAKING THE STANDARD MILEAGE
DEDUCTION WITHOUT CALCULATING
YOUR ACTUAL VEHICLE EXPENSES
Vehicle expenses is the primitive deduction that Uber/Lyft driver look out for when they’re filing for Uber tax form. The two ways to calculate and deduct your vehicle expenses are:
Standard mileage deduction (SMD):
This deduction includes all vehicle related expenses such as:
- Repairs.
- Maintenance.
- Fuel.
Actual vehicle expenses (AVE):
Many drivers believe that SMD is higher than AVE. However, the reverse scenario is also possible but most of the drivers fail to analyse it. As a matter of fact, if you calculate your AVE without calculating SMD, then you would be doing a huge mistake.
AVE may surpass SMD if:
- There’re heavy repairs involved and you’re obliged to pay for them.
- You’re driving an expensive truck or van.
However, if your vehicle expenses are very high in the given year then, it’s better not to calculate SMD.
How to avoid such a mistake:
With care and ease, summit all your vehicle related expenses and business related miles throughout the year. Using software like Quickbooks Self-Employed, you can easily manage your vehicle related expenses. Compare your both the SMD and AVE at last ans whosoever is greater, opt the one for the deduction.
DRIVERS TRY TO DEDUCT PERSONAL EXPENSES
There’re certain expenses which are deductible but not in the business expense such as:
- Charitable contributions.
- Student loan interest.
- Health insurance.
There’re a lot of deductions that you can look out for as a taxpayer but counting every expense on your Schedule C against your rideshare income is not a very good idea. This mistake may land you in big trouble.
For example: The Self-Employed may be able to deduct the cost of their health insurance premiums. This deduction is taken on your Uber tax form 1040. Placing the deduction in the wrong category can cause problems. Always keep in mind to place your personal expenses in the Uber tax form 1040.
FORGETTING TO TRACK YOUR MILEAGE
Now you know SMD is the best source of deductions for the Uber/Lyft drivers. However, if you simply outline your mileage number without putting any logs then, you might land yourself in a big blunder. Especially when IRS is auditing your tax file because you can’t trust upon the mileage numbers that are send by Uber /Lyft. It’s because Uber/Lyft don’t count all the miles that might be important for deduction purposes. Therefore, it’s wise to place your own miles.
How to avoid this mistake:
Through Stride Tax app, you can easily track and classify your mileage.
UNDERESTIMATING YOUR TAX PREP COSTS FOR THE FIRST YEAR
On internet, you’ll find several different types of a particular tax filing software that you can utilize. However, they usually demand a price for their product depending upon the Uber tax forms that you need to report.
Being a rideshare driver, in order to report your income and expense, you always have to file a Schedule C. Howbeit, if you’re associated with Self-Employed, then you may have to pay extra to tax prep companies. Though this extra payment is covered as a business expense in the following year, still it’s an extra penance to the wallets.
For example: For using TurboTax Self-Employed, you need to pay around $80.
Furthermore, during the tax season, try to avoid sticker shock because you’ve to pay extra money in order to report your rideshare earnings.
NOT DEDUCTING ENOUGH MILES OR DEDUCTING TOO MANY
Uber/Lyft will always dictate the miles that you drove while you’re logged into the driver mode. However, tax savings need the miles that you actually drove for deduction purposes. According to CPA and online tax resources, these miles are:
- the miles you drove with your passengers,
- miles driven during the shifts,
- some other commuting miles.
Therefore, one should never rely on the mileage information relaid by Uber/Lyft.
Howbeit, too much of everything is not good for health. Likewise, deduction of too much of miles is also another mistake that you can conduct while you report for Uber tax form. This mistake would get back at you while you’re being audited by IRS.
How to avoid this mistake:
As discussed above, place your logs in Stride Tax to carefully log and classify your mileage for deduction.
DRIVERS DOUBLE DEDUCT VEHICLE EXPENSES
Deduction in your mileage means multiplication of the number of business miles that you’ve driven by the standard mileage rate which is 53.5 cents per mile in 2017. The standard mileage rate is created by IRS by taking the following into the account:
- Average costs of the car insurance.
- Maintenance.
- Car payments.
- Depreciation.
- Gas.
Following these, IRS has created an average amount that drivers can use for deduction purposes for every business mile they drive.
Furthermore, by keeping a rack of your mileage will really save your time as your mileage log will always be updated and is a process far more easier than keeping track of all the expenses that go into the standard mileage rate.
In other words, you’ve to pick whether you want to deduct your mileage or you want to deduct those «actual car expenses». As, deducting both would mean deducting the same expense twice. SMD is a far better approach that should be adopted by drivers and is widely accepted by IRS.
DRIVERS AREN’T PREPARED WHEN THEY START FILING
Many rideshare drivers avoid paying taxes because they believe that the process is long and tiring. On the contrary, the process of filing an Uber tax form takes only an hour of your day if you know all the key points.
Therefore, before you start with the Uber tax form, make sure you’ve every relevant information and papers that are required.
INCORRECTLY DECLARING YOUR INCOME
There’s one particular type of mistake that many Uber/Lyft drivers may somehow perform while reporting their income on Schedule C. The mistake includes reporting the gross fares figure from your 1099s without deducting Uber/Lyft fees.
In other words, you gross earnings are reported by Uber/Lyft to IRS wherein, they clearly specify the amount you’ve earned and the fees paid. This also signifies that listing your net earnings won’t be equal to your number in the IRS’s eyes and the 1099 forms. Furthermore, it indicates that your taxable income would automatically become higher than in reality and you’d have to pay more in taxes than you’re required.
How to avoid this mistake:
While you’re doing your business calculations, keep in mind that you enter you gross income (the number which is reported on your 1099s) as your business income and accordingly, add Uber and Lyft fees on Line 10 (Commissions and Fees) of the Schedule C. This will provide your proper earnings amount which will be equal to the information that Uber and Lyft have send to IRS.
FAILING TO FILE YOUR TAXES
We know that many people including many rideshare drivers don’t file any Uber tax form to avoid complications and stress. This complication arrives due to the long process of tax filing while stress occurs due to the lack of funds for payment of taxes.
However, tax filing would become more stressful if you’ve to pay all at once of several years. Also, IRS provides with a payment plan to all the rideshare drivers who aren’t able to pay off taxes of the current year.
Furthermore, to reduce your level of stress, there’re now several free and affordable software such as TurboTax Self-Employed that will provide you help on every step.
How to avoid this mistake:
Avoiding this mistake simply means filing your taxes on time. Use the software or take help of the local tax preparers.
We help you to provide insurance based upon your needs and necessities required by your choice of profession. Along with it, we aim to enlighten you will all the possible ways and effects of everything that you may encounter when you enter in his line of profession.