Frequently Asked Questions

HUM is a private driving app that lets professional drivers offer insured private rides and set their own rates, for a flat monthly subscription and per-mile coverage instead of a per-ride commission.

No. You set your own rate, your client pays you directly, and HUM takes no percentage of the fare or your tips. HUM has never taken a commission and does not plan to. Your costs are a flat monthly subscription based on your vehicle type, and Ride Assurance, the commercial coverage on your private rides, billed per mile from your driver wallet. Both are published and identical for every driver in your state. See the plans and the Ride Assurance rate table.

Not your own. Your personal auto policy covers you when you're off the clock. The moment you log a ride in the HUM app, HUM's commercial policy covers you for that trip. For questions about your own personal policy, talk to your insurer. See full coverage details.

The moment a rider pays you off-app, your personal auto policy treats you as uninsured. That exclusion is standard in nearly every personal policy, and in many places off-app rides also break local for-hire rules. HUM closes both gaps: log the ride in the app and you're insured and compliant. You get the upside of private rides without putting your personal coverage at risk. Read more on coverage.

Of course. You can keep driving for Uber and Lyft as much as you want. HUM only runs when you have a private ride, so it fits alongside whatever else you're already doing. Nothing has to change to get started.

Your riders pay you directly: cash, card, Venmo, however you agree. Coverage doesn't depend on how you collect. It depends on the ride being logged in the app.

Yes. Two costs, both flat and both published up front. First, a monthly subscription based on your vehicle type. Second, Ride Assurance, the commercial coverage on your private rides, billed from your driver wallet at a per-mile rate set by your state. HUM never takes a commission on your fare. See plans and Ride Assurance rates.

Ride Assurance is the commercial auto coverage that makes your private rides legal and insured. It runs under HUM's operating authority, which is why you don't need your own commercial policy to start your own private driving business.

Commercial coverage is priced on miles driven, because miles are what create the risk. So we bill it the same way: a per-mile rate, set by your state, deducted from your driver wallet as you complete private rides. A driver who runs 200 miles pays for 200 miles. A driver who doesn't drive pays nothing.

See your state's rate.

You set one rate with your client, and you price your costs into it, the same way any commercial operator prices costs into a job. See your state's rate so you know what to build in.

Nothing's wrong — enrollment and activation are two separate steps. After you enroll, we send your subscription link by text and email, and once you subscribe, our team activates your account and confirms when you're live. If you've already purchased a subscription and still can't log in, reach out to support and we'll get you set up: contact us.

HUM drivers average $51 per private ride, and many cut their driving hours roughly in half while holding the same income. Some have brought in $6,000 in as few as 100 trips. Your results depend on how you build your client base. See how it works.

Most standard four-door sedans, SUVs, and luxury vehicles qualify. Not sure about yours? Ask us.

If your state is one of the eight we're live in, then yes. HUM is available statewide, in every city and town, not just the major metros. So if you're anywhere in California, Arizona, Idaho, Florida, Tennessee, Georgia, Ohio, or Alabama, you're covered.

Join the waitlist and we'll notify you the day we launch near you. HUM is currently live statewide in California, Arizona, Idaho, Florida, Tennessee, Georgia, Ohio, and Alabama. See where HUM is available.