Does OMNI provide coverage insurance?

Understanding OMNI's Insurance Coverage for Drivers

At OMNI, we believe it's important for you to understand how our insurance policies cover you and your passengers in the event of an incident. Below is an overview of how our insurance coverage works depending on your driving status with the OMNI app.

Coverage When the App is Off

When the OMNI app is turned off, your personal auto insurance is the only coverage that applies. OMNI's insurance does not cover any incidents that occur during this time.

Coverage When the App is On and Waiting for a Ride Request

While you are logged into the OMNI app and waiting for a ride request (Period 1), OMNI provides third-party liability insurance for covered accidents. This coverage applies if your personal insurance does not cover the incident. Here’s what is included:

• Third-Party Liability: This covers damages you may cause to others if you're found at fault in an accident. 

Coverage When the App is On and You Are En Route to Pick Up Passengers

When you have accepted a ride request and are on your way to pick up a passenger (Period 2), OMNI maintains the following coverage for covered accidents:

• Third-Party Auto Liability: Coverage of at least $1,000,000.
• First-Party Coverages: This may include uninsured motorist coverage, underinsured motorist coverage, personal injury protection (PIP), medical payments (MedPay), and/or occupational accident coverage.
• Contingent Comprehensive & Collision Coverage: If you have comprehensive and collision coverage on your personal auto insurance policy, OMNI’s policy provides additional coverage up to the actual cash value of your vehicle, with a $2,500 deductible.

Coverage When the App is On and a Ride is In Progress

When a ride is in progress, meaning you have a passenger in your vehicle and are en route to their destination (Period 3), OMNI provides the following insurance coverage:

• Third-Party Auto Liability: Coverage of at least $1,000,000.
• First-Party Coverages: This may include uninsured motorist coverage, underinsured motorist coverage, PIP, MedPay, and/or occupational accident coverage.
• Contingent Comprehensive & Collision Coverage: Like in Period 2, if you have comprehensive and collision coverage on your personal auto policy, OMNI maintains additional coverage up to the actual cash value of your vehicle, with a $2,500 deductible.

Important Notes

• Personal Insurance Requirements: It’s important to note that OMNI's contingent coverage is secondary to your personal auto insurance. You must have an active personal auto policy in place that meets your state's minimum requirements.
• Deductibles: In the event of an accident, the contingent comprehensive and collision coverage provided by OMNI comes with a $2,500 deductible.

By understanding how OMNI’s insurance coverage works, you can ensure that drivers and riders are protected in the event of an accident. If you have any further questions or need clarification, feel free to contact our support team.