Rider Insurance

How to provision, store, and rotate Cover Genius and Slice API credentials across Vercel environments.

How a carrier-approved claim payout flows to the rider - and the strict rule that wallet credits for payouts must reference a real insurance_claims row.

How to use the operator claims queue at /dashboard/insurance/claims - filtering, claim detail, internal notes, and what you cannot do.

Levy Cover ships in three tiers - Minimal, Standard, Premium - with carrier-set caps and prices. What each tier covers and where they are available.

How to register Levy Fleets as a Cover Genius distributor, populate environment variables, and verify the integration end-to-end.

Short answers to common Levy Cover questions from operators and riders - pricing, claims, payouts, jurisdictions, and edge cases.

How a rider files a Levy Cover claim from the ride history - incident type, photo upload, status updates, and payout.

End-to-end checklist for turning on Levy Cover - from carrier credentials to first insured ride.

Where Levy Cover is offered - which US states and EU countries are live, which are excluded, and how the matrix resolves per ride.

How to read the operator loss-ratio report at /dashboard/insurance/reports - premium collected, claims paid, ratio, and what it means.

Embedded per-ride micro-insurance that lets riders cover themselves at unlock - what Levy Cover does, who carries the risk, and how it changes operator economics.

What the rider sees at unlock when Levy Cover is offered - the opt-in card, decline flow, and how acceptance is recorded.

Levy Cover premium refunds always flow through the ride refund API. Never credit the wallet directly. This page explains why and how.

How Levy Cover integrates with Rider Score (project #05) - high-score riders get discounted premium or auto-include offers, low-score riders pay standard.

Common Levy Cover failure modes - opt-in card missing, carrier outage, bind failures, webhook gaps - and how to diagnose them.