Safety & Insurance

Carsmartt Period 1,2,3 Coverage

Insurance is a complicated process for the TNC’s, It is important to understand when our policies cover your car and the passengers in case of an accident.

Another significant concern is determining at what point in time a driver is operating the vehicle for hire. There are three periods in the ride-sharing business model: Period 1: App on, waiting for ride request; Period 2: Ride request accepted, no ride-share passengers in the vehicle; and Period 3: Passenger in the vehicle.  Most state laws regarding TNCs include similar language. Several state laws combine Period 2 and Period 3 as described above and require higher limits of insurance while the driver is actively engaged in a ride. The TNC Model Bill includes express permission of personal auto policies to exclude coverage for TNC-related driving, mandatory primary liability coverage during Period 1 of at least $50,000 bodily injury per person, $100,000 bodily injury per incident and $25,000 property damage depending on state law, and mandatory primary liability coverage during Period 2 of at least $1 million.

Carsmartt Insurance coverage is in compliance with every state in USA.

Period 1 up to $150,000

Period 2-3  up to $1,000,000

Carsmartt has a new integrated system with SDK program Zenride, they use over 180 billion miles of data analyzed, plus the sensors on our drivers’ smartphones, to measure and improve driving behavior. Our tools can detect collisions, predict risk, improve fuel efficiency, and more.

STEP 1 Data Capture

We use smartphone sensors to measure driving behavior, including detecting collisions, risky phone use, aggressive driving, distracted driving, and more.

STEP 2 Pattern Analysis

With over 180 Billion miles analyzed, their patented machine-learning algorithms know how to turn sensor data into actionable insights about driving behavior, including when and how safely they’re driving.

STEP 3 Zendrive Tools in Action

By integrating these tools in our app, we can understand how and when our users drive, so we can deliver new features that cater to their context.

STEP 4 Safety and Profits

With our new features, we can increase retention, boost profits, grow our user base, manage risk and even transform our business… all while saving lives.