Ride Sharing Know How

doug • July 1, 2019

Ride Share

Ride sharing is more like taking a taxi than what it sounds like involving carpooling to work with a coworker, hitching a ride to an event with a neighbor, or getting a lift to the store from a friend.

It typically involves a company that connects riders with drivers who make them selves available. Ride sharing, which has grown quickly in popularity over the past several years, has three components:
  • You’re riding in a car, SUV, truck, or van owned and driven by a private individual.
  • Typically, you pay for the ride.
  • Usually, a ride is booked using a smartphone app or a website, so some simple tech skills may be required to hitch a ride.

Ride sharing is a way to get from Point A to Point B instead of using public transportation, such as taking a bus or a train, and livery services, or such as grabbing a taxi, a limo, or an airport shuttle.

Ride Sharing Know How. How Does It Work?

Ride sharing companies are officially known as Transportation Network Companies, and they connect people who need rides to drivers who want to use their private vehicles to make money, often as a side job.

Ride sharing has grown in popularity over the past few years, and you probably have heard of names like Uber and Lyft. You may have heard of someone right here is Spartanburg say they are going to “uber” to a movie.

Using a ride sharing service is a simple as finding a ride sharing company that operates in our area, download their app to your smartphone, and use that app to book a ride.

After you book a ride, the app will give you the name and photo of your driver, the make, model, and color of the vehicle they drive, and an approximate time for when they will reach your location. You may also be able to see the driver’s license plate number, as well as the driver’s rating, which is based on reviews from other riders.  This identification process is important for your safety.

The app will charge the credit card or other payment method you’ve put on file so you won’t have to dig through your wallet or purse for cash or plastic. Once you reach your destination, you will be able to go on your way.

If you want to save money you can actually share your ride with others headed in the same direction. For example, Uber offers an option called  UberPOOL. If you select the carpool option, your driver can pick up a maximum of two additional riders, and everyone pays a lower fare—guaranteed. Note that the carpooling option is only available in some of the cities served by the company—typically larger cities, such as Atlanta, New York and San Francisco.

Ride Sharing and Safety

Ride sharing offers many benefits, including the convenience of being able to quickly summon a ride such as when a play lets out, you have finished shopping, or the rain has started pouring.

There are some  issues with ride sharing  that you should know about before you use them. Although using a ride sharing service may seem similar to using a taxi service, there are differences.

Unlike taxi and limousine drivers, ride sharing drivers typically do not have a commercial driver’s license, or the training and testing required to obtain one. And they are driving their own personal vehicles, which are not licensed or insured as commercial vehicles.

For accidents involving ride sharing, being compensated for an injury can become complicated because a number of parties involved. Some larger ride sharing companies carry $1 million in liability coverage that will cover injuries to passengers. Some also carry the same amount in uninsured/underinsured motorist coverage. These coverages help to protect passengers who incur medical bills as a result of an accident in a ride sharing vehicle. It’s a good idea to check what coverages a ride sharing service has before you start riding.

Some ride sharing companies have implemented technology-based safety features. For example, Uber has a “Send Status” button that allows you to send family and friends your location and ETA. With one swipe of your phone, you can text your driver’s name and license plate number, as well as your real-time map location to up to five contacts. This offers peace of mind to you and your loved ones who might worry about your safety when you’re riding with a stranger.

Ride Sharing and Older Riders

For older adults who do not drive , ride sharing may offer a convenient transportation option. In fact, some companies and nonprofits exclusively offer ride sharing to riders 60 and up. Some charge for rides, but some don’t. For example:

SilverRide offers door-to-door transportation for older riders in several cities. Specially trained drivers assist riders from the door to the vehicle and then to their destination. Drivers are trained in Red Cross First Aid, CPR, and serving older adults.

If you or someone you love has handed over their car keys, ride sharing may be a great option for maintaining independence.

But it wasnt my fault

Why Did My Car Insurance Rate Go Up For a Not At Fault Accident?

By Doug Stockman • September 25, 2025
Ugh, My Rate Went Up for a Not-at-Fault Accident? It's the ultimate insurance head-scratcher. You're driving along, minding your own business, and then BAM! Some other driver turns your day into a metal-crumpled mess. But wait, it's not your fault! The police report says so, the other driver's insurance company agrees, and you're feeling pretty good about the whole thing. You and the other driver are not hurt and now your car is fixed. Then you get your renewal notice. Your heart sinks. Your insurance rate has gone up. But…why? Didn't we just establish that you were the innocent bystander in this whole debacle? It's a frustrating, perplexing situation that feels about as fair as getting a parking ticket for a car you don't even own. At Select Source Insurance, we hear this question a lot. We get it, it's maddening. So let's try to demystify this insurance riddle together, one slightly-less-maddening explanation at a time. The Crystal Ball of Risk Insurance companies are essentially professional fortune-tellers. They use all sorts of data to predict who is most likely to file a claim in the future. The "riskier" you appear, the more you're likely to pay for insurance. A not-at-fault accident, while not your fault in the traditional sense, can still be a blip on their risk radar. Here's what they're seeing: You're on the road more. If you're involved in an accident, even if it's not your fault, it indicates you're spending time on the road where these things happen. The more you drive, the higher the chance of being in an accident, even if you are the world's most defensive driver. Driving Habits: Even if you're not at fault, an accident can be a sign of unsafe driving habits. Consider this common scenario: you're following a car too closely, and they suddenly hit their brakes. You manage to stop in time, but the car behind you doesn't, resulting in a rear-end collision. While you may not be considered at fault, your decision to tailgate created a domino effect, leading to the crash. This is just one of many examples of how a lack of attention to safe driving practices can contribute to an accident. Stand Alone: This one incident, in and of by itself, may not impact the rate that much, but if another incident similar or different it will have more impact on the rate. The insurance company starts to see a pattern. The "Luck" Factor. Some insurance companies use a more statistical approach. They see that you've been in an accident, and their data might show that people who have been involved in one accident, even a not-at-fault one, are slightly more likely to be involved in another. It's not a judgment on your driving skills, but a cold, hard, and somewhat comical statistical reality. The Cost of Doing Business. Even in a not-at-fault claim, your insurance company might still have to pay for things. They might cover the rental car while your vehicle is being repaired or towing until they're reimbursed by the other driver's insurance. These costs, however small, are still part of a claim, and claims affect rates. The Solution: We Can Help! So, what's an innocent driver to do? The good news is, you're not stuck. This is precisely where being an independent insurance agency like Select Source Insurance makes all the difference. We aren't tied to a single insurance company. We work with a whole bunch of them! If one company decides to punish you for being a victim of circumstance, we can shop around for you. We can find a different insurance company that has a more favorable view of not-at-fault accidents. Think of us as your personal insurance matchmaker. We know which companies are more forgiving and which ones are more likely to raise rates for even the smallest claim. Our job is to find you a policy that offers great coverage without making you pay for someone else's mistake. The Bottom Line Yes, it's a bit ridiculous that your rates can go up for a not-at-fault accident. It's one of those bizarre insurance quirks that makes you want to shake your fist at the sky. But it's not a dead end. Give us a call. We'll do the shopping and negotiating for you. Let us find you a rate that reflects your driving, not someone else's.
Car Tax Refund

Refunds - SC Vehicle Property Tax

By Doug Stockman • August 21, 2025
Getting your Spartanburg vehicle tax refund: A guide from Select Source Insurance. Did you sell, trade, or wreck (as in a total loss) your vehicle? Did your vehicle get repossessed, or have you moved out of state? You may be eligible for a refund! We understand that navigating property taxes can be confusing, especially when life events like selling or wrecking a car come into play. Many Spartanburg residents don't realize they might be eligible for a refund on their vehicle property taxes in such situations. At Select Source Insurance, we're here to help clarify the process and ensure you get the refund you deserve. When are you eligible for a refund? Spartanburg County offers vehicle property tax refunds in several instances: Selling, Trading, Wrecking, or Repossessing a Vehicle Returning a Leased Vehicle Moving Out of State before your vehicle tag decal expires Transferring a tag does to another vehicle does not qualify What documentation do you need? The required documentation varies depending on why you are seeking a refund. The Spartanburg County Auditor's Office may require: a Bill of Sale Trade-in agreement A statement from your insurance or repossession company Documentation from the leasing company Your new out-of-state registration. How to apply for your refund? You can apply: in person by email: countyauditor@spartanburgcounty.org. by mail: to the Spartanburg County Auditor's office at 366 N. Church Street, Suite 200, Spartanburg, SC 29303 We're here to help Understanding vehicle property tax refunds can be complex. As your local independent insurance agency, we are here to assist with your car insurance needs and related questions. Here is a link: Spartanburg County Tax Refunds Also, did you know you can turn a vehicle tag in online? Yes, it is called a virtual tag turn in or decommissioning a tag. Here is the link: Decommission a Tag If you have questions about eligibility or need help with documentation, contact Spartanburg County. Informational purposes only. Check with the appropriate government entity for actual process.
Cell Phone Hands Free Law

South Carolina Hands Free Law

By Doug Stockman • June 27, 2025
Driving Smarter: Understanding South Carolina's New Hands-Free Law As your trusted independent insurance agency, we're committed to keeping you informed about important changes that impact your driving and, by extension, your insurance. South Carolina is taking a significant step towards safer roads with the new South Carolina Hands-Free and Distracted Driving Act, which goes into effect on September 1, 2025. This law is a crucial update to our state's distracted driving regulations, and it's essential for all drivers to understand its implications. What Does the New Law Prohibit? Beginning September 1, 2025, the new law prohibits drivers from using mobile electronic devices in the following ways while operating a motor vehicle on public roads: Holding or supporting a mobile device with any part of their body. This means no more holding your phone to your ear, resting it on your lap, or wedging it against your shoulder. Reading, composing, or transmitting texts, emails, app interactions, or website information on a mobile device. Watching any motion, including videos, movies, games, or video calls, on a mobile electronic device. It's important to note that this law applies to a broad range of "mobile electronic devices," including cellphones, portable computers, GPS receivers, and electronic games. Are There Any Exceptions? Yes, there are some specific exceptions where you can still use your device: When you are lawfully parked or stopped. When initiating a voice-based communication that is automatically converted to text, as long as you are not holding or supporting the device. When reporting an accident, emergency, or safety hazard to a public safety official. For navigation, listening to audio-based content, or obtaining traffic/road condition information, provided the device is not held or supported by your body. To initiate or end a cellular call without typing, and without holding or supporting the device. When using equipment or services installed by the original manufacturer of the vehicle. Penalties for Violations To allow drivers time to adjust, law enforcement officers will only issue warnings for violations during the first 180 days after the law goes into effect (from September 1, 2025). After this warning period, the penalties will be: First offense: A fine of $100. Second or subsequent offense (within three years): A fine of $200 and two points assessed against your driver's license. It's important to remember that officers can stop you if they have a clear and unobstructed view of you unlawfully using a mobile electronic device. While you cannot be arrested solely for a hands-free violation (unless you fail to appear in court or pay a fine), accumulating points on your license can impact your driving record and potentially your insurance rates. Why This Matters for Your Insurance Distracted driving is a leading cause of accidents. This new hands-free law aims to reduce those accidents, making our roads safer for everyone. For you, as a driver, adhering to this law is not just about avoiding fines and points; it's about reducing your risk of being involved in a collision. Fewer accidents can lead to: Lower insurance premiums: A clean driving record with no distracted driving violations can help keep your car insurance rates down. Avoiding claims: Preventing accidents means you won't have to go through the hassle of filing an insurance claim, dealing with repairs, or managing potential injuries. Protecting your deductibles: Each claim typically involves paying a deductible, so avoiding accidents saves you money out-of-pocket. As your independent insurance agency, we work with multiple carriers to find you the best coverage at the most competitive rates. By driving responsibly and complying with the new hands-free law, you're not only contributing to safer communities but also actively helping to protect your insurance standing. If you have any questions about how this new law might affect your specific insurance policy or if you'd like to review your current coverage, please don't hesitate to contact us. We're here to help you navigate these changes and ensure you're well-protected on the road.