Category Archives: Uncategorized

Uber and Lyft: Understanding Commercial vs Personal Auto Insurance

Uber and Lyft: Understanding Commercial vs Personal Auto Insurance

In the last decade, ride-sharing services like Uber moved from novelty acts to a common form of transportation. At the same time, many people have signed up to drive for one or more of these services with the hope of making a little extra money on the side. Uber currently claims to employ a little over 3 million drivers worldwide, with other services like Lyft also boasting a large number of drivers.

With numbers like this, it’s necessary to understand how something as important and basic as car insurance works with an online ride service. Even though these services require drivers to have car insurance, depending on where the driver lives, a regular insurance policy might not be enough. This is why you need to know the difference between personal and commercial auto insurance.

Personal Auto Insurance

Personal insurance is the standard insurance that every driver is required to purchase before they are allowed to drive. Depending on the amount of coverage purchased, these policies can cover you and others in the event of an accident.

Personal insurance only covers you when you are driving your vehicle for personal reasons — and this is where the problem can occur with a service like Uber. Because driving for a ride-share company is considered work, and not personal, many insurance companies do not cover accidents in a situation like this. If you are in an accident while driving for Uber and you only have personal insurance, you could be in serious trouble. Before you start your business, always check your policy and call your insurance agent to review your coverage.

Commercial Auto Insurance

As the name implies, commercial auto insurance is designed to protect a company and its employees. A commercial policy covers driving that happens during the course of a workday, and it typically covers all employees that work for a company as well.

Commercial insurance typically costs more than personal insurance does, which can almost defeat the purpose of driving for Uber in the first place. While commercial insurance is not always required for ridesharing, local and state laws can vary, so it’s important to know the laws where you live.

Uber Insurance

Even though Uber, Lyft and the others are independent contractors, and therefore not subject to the rules of commercial insurance, they do offer a limited amount of coverage — as long as the app is on and you are currently en route to or driving a passenger. If you find yourself in an accident at those times, the ridesharing company offers liability, which can help with damages to the other vehicle and occupants. This insurance does not, however, cover your own vehicle or person.

If you would like to know more about the insurance requirements for these services and how they affect you, please don’t hesitate to contact us today at NE Insurance!

motorcycle maintenance tips

Top Tips For a Smooth Running Bike

There’s nothing better than going on a blissful motorcycle ride! The wind in your hair, the sun on your face… it’s such a thrill! So, why not make your motorcycle as smooth as ever? Here are some tips for a smooth-running motorcycle!

1. Check your battery 

Keeping your motorcycle battery in good condition will help it last as long as possible. This will also help your bike last longer. You will also be saving yourself time and money in the long run. If you don’t know how to check the battery by yourself, don’t worry! It’s really easy to learn how. 

2. Make sure your tires are properly inflated 

Riding your bike with low tire pressure is a huge risk. Having the wrong air pressure in the tires can have a negative impact on so many things. It can affect the steering, the brakes, and even the fuel mileage! You should check your tire pressure daily to ensure that everything is fine. You never know you could run over something sharp and the tire pressure could drain very quickly. It’s better to be safe than sorry.

3. Replace the brake fluid 

Over time, brake fluid becomes less effective because it absorbs moisture. Your brakes are a really important part of your bike, and they ensure your overall safety. You should replace the brake fluid every one to two years. Also, while you’re at it, check on your brake pads and make sure they don’t need to be replaced. If you notice that they’re thinning, you will need to get them replaced soon.

4. Keep your bike covered!

Bad weather conditions can totally ruin your bike. It’s definitely better to keep your motorcycle in a garage, but if you don’t have a garage, covering it is okay as well. You should invest in a good quality bike cover. Just using a tarp or a blanket isn’t good enough, because water can get through and your bike can still get damaged. Bike covers are made to protect your bike in all kinds of weather and will do the job right.

Always take care of your motorcycle!

These are just a few tips for how you can take care of your motorcycle! These bikes are very expensive, and should always be taken care of properly. If you have any questions or serious concerns about your bike, you should talk to a licensed mechanic. 

If you have any questions about your Motorcycle Insurance Coverage please reach out to Northeast – Metro West Insurance. Our team members are here to help you understand and provide you with the best coverage options that suit your needs.

summer home security tips

Summer Vacation Home Security Planning Tips

Whether it is your main home or your summer vacation house, you want nothing more than to protect them. Making sure your house and belongings are safe is one of your top priorities. You may decide that adding a home security system is the best protection. But where do you begin? With so many systems and packages available, how do you know what you really need? You should start by doing some research on wireless, monitored and internet or cable based systems.

Using What You Have
If you have a cable or internet provider, you may want to check to see if they also offer a security monitoring service. This service may only have a slight increase in the fees because they are already in your residence. The security setup may include another service call to add any additional equipment to your current system.

Monitoring Services or Automatic Notifications
There are two ways you can approach your home security monitoring; a monitoring service or automatic notifications when the alarm goes off. The monitoring service is more expensive because you have a company that is watching for alarms and then calling you to determine if police need to be sent to check out the situation. If you are looking for a more cost effective system, you can monitor it yourself by setting your system up to notify you when a sensor goes off. You can then login to your system and check out the situation. If the situation warrants additional investigation, you would need to call the police and have them dispatched.

Wireless or Not
The wireless systems today have become more reliable. The batteries last longer and there are a decrease in the number of false alarms. The wireless systems and sensors are definitely easier to setup because you do not have to run any wires throughout the house. You just peel the backs of the sensors and stick them on the windows, frames and doors. When you shut the window or door the circuit is complete and the system is available for use. One disadvantage of an older system is the amount of wires that is all over. The wires will need to connect the sensors with the brain of the system so the different pieces can communicate with each other.

For questions on home security systems and discounts on your home-owners insurance, contact NE Insure.

It’s Nearly That Time, Yes Boat Time!

Spring has finally sprung! The days have started growing longer and the temperature continues to slowly rise. For those of you who love spending time on the water, the time to get on your boat is near. If you’re eager to set sail, remember that advance preparation will prevent any problems from keeping you on dry land. Follow these steps to get as much time on the water as possible this year!

Perform boat maintenance

Every boat needs routine maintenance, but what exactly you need to do will depend on your boat. Check all the engine fluids and make sure everything is in working order, and have a certified engine mechanic tune up your engine. Check your other equipment like bilge pumps and water systems. Stock up on any spare parts that you might need on longer outings. Lastly, give your vessel a good cleaning to get her ready for your first trip of the season. Continue reading It’s Nearly That Time, Yes Boat Time!

An Adult’s Guide For Returning Back to School

Back-to-SchoolGoing back to school as an adult is a major life decision that requires the commitment of a person’s time, attention, energy, and money. College is tough at any age, but there is a lot you need to know and prepare for in order to go back and be successful in your later years. For those considering a return to the classroom for higher education, here are some helpful tips to get you started on the road to success:

Continue reading An Adult’s Guide For Returning Back to School