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.

By Doug Stockman May 1, 2025
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By Doug Stockman April 29, 2025
Alright, let's dive into the age-old question that's probably kept you up at night, right after "Did I leave the stove on?" and "What is the deal with airplane food?": Which car insurance company reigns supreme? Now, if you were expecting a definitive answer, a shiny gold medal draped across the metaphorical shoulders of one single insurer, well, grab a lukewarm cup of coffee and settle in. The truth, my friends, is about as straightforward as trying to parallel park on a busy Saturday. The "Best" is a Moving Target. You see, declaring one car insurance company the absolute "best" is like saying there's one single "best" ice cream flavor. Have you ever tried to choose a flavor at Baskin and Robbins? Sure, vanilla's a classic, but what about the die-hard chocolate chunk aficionados or my favorite, Pralines and Cream? Or the adventurous pistachio lovers? Everyone's got their own taste, and the same goes for insurance needs. 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By Doug Stockman April 28, 2025
Alright, folks, settle in for a crash course (pun intended!) on the fascinating, slightly bewildering world of car insurance. Yes, I know, it's about as thrilling as watching paint dry, but trust me, understanding how it works can save you from a world of headaches and wallet-emptying woes. Here at Select Source Insurance, we're here to break it down, with a dash of humor to keep you from falling asleep. Car Insurance: It's Not Just a Piece of Paper (Though It Feels Like It Sometimes) Imagine car insurance as a safety net for your four-wheeled friend. When things go sideways (literally or figuratively), it's there to catch you, or at least cushion the financial blow. But how does this magical safety net actually work? The Basics, Explained (With Minimal Jargon): You Pay, They (Hopefully) Pay: You pay a premium (think of it as a monthly subscription to "avoid financial ruin"), and in exchange, your insurance company agrees to cover certain losses if you have an accident, your car gets stolen, or a rogue squirrel decides to use your windshield as a trampoline. Coverage: It's Like a Menu, But Less Delicious: Car insurance policies come with different types of coverage, each designed to protect you in specific situations. Liability Coverage: This is the "oops, I hit someone else" coverage. It pays for their injuries and property damage (up to your policy limits) if you're at fault in an accident. It's like saying, "Sorry about that, let my insurance handle it." Collision Coverage: This covers damage to your own car if you hit something (another car, a tree, a particularly stubborn mailbox). It's like a band-aid for your car's boo-boos. Comprehensive Coverage: This covers damage to your car from things other than collisions, like theft, vandalism, hail, or a herd of stampeding llamas. It's helps with damage other than collisions with limitations. Uninsured/Underinsured Motorist Coverage: This protects you if you're hit by someone who doesn't have insurance or doesn't have enough. It's like having a backup plan for the backup plan. Deductibles: Your Share of the Pie (or Wrecked Bumper): A deductible is the amount you pay out of pocket before your insurance kicks in. It's like a co-pay at the doctor's office, but for your car. The higher your deductible, the lower your premium, but make sure you can actually afford it if you need to file a claim. Claims: The "Please Don't Make Me Cry" Part: When you have an accident, you file a claim with your insurance company. They investigate, assess the damage, and (hopefully) pay for the repairs or replacement. It's like a detective story, but with less dramatic music and more paperwork. Why It's Important to Have a Good Insurance Agent (Like Us!): We Speak Insurance-ese: We can translate the confusing jargon into plain English, so you actually understand what you're paying for. We Shop Around for You: As an independent agency, we work with multiple carriers, so we can find you the best rates and coverage for your needs. We're like your personal insurance shoppers. We're Here When You Need Us: When you have a claim, we'll be there to guide you through the process and make sure you get the help you need. We're like your insurance therapists, but with better advice. We can help you avoid the "I tried to parallel park my boat" situation: Yes, that was a real claim. The Moral of the Story: Car insurance is a necessary evil, but it doesn't have to be a confusing one. At Select Source Insurance in Spartanburg, we're here to make it as painless as possible. So, if you have any questions, don't hesitate to give us a call. We're always happy to help, and we promise to keep the insurance jokes to a minimum (mostly). 864-585-8318 or get a quote at Auto Insurance Quote