5 ms·

Interesting story but someone I work with was actually severely rear-ended by an Uber driver heading to the airport, and she said the driver's insurance wouldn'

by rayvy 8y ago

Interesting story but someone I work with was actually severely rear-ended by an Uber driver heading to the airport, and she said the driver's insurance wouldn't cover the driver because the driver was acting as an Uber driver at the time of the accident. Don't know the insurance co., but I definitely remember being shocked by the fact that they wouldn't cover the driver for that reason

astura 8y ago
Commercial insurance is whole different ball game than personal insurance. Personal insurance typically doesnt cover commercial use. Driving for Uber is a commercial activity. I guess uber has an insurance policy that covers their drivers during rides now, so hopefully that kicked in to take care of your friend. Everyone should read their insurance policies to know their exclusions.
- vinay427 8y ago
  Note that most insurance providers won't cover drivers who have used their car to drive for Uber, regardless of whether they're driving for Uber at the time of the incident. Uber may cover you if you're on a trip, but it's up to you to make sure you have the right insurance plan (which usually means paying a nominal surcharge to your insurance provider in the US) to have insurance the rest of the time.
- DanBC 8y ago
  > covers their drivers during rides now In the US. It's not clear if they have this anywhere else.
gambiting 8y ago
Well yeah, of course - my car insurance specifically doesn't cover commercial activity in my car(as well as going off road, racing or track use), so if I started driving for uber I'd be 100% uninsured until I got commercial insurance. I think that was one of the greatest lies of Uber at the start "just drive your car for money in your free time!" - that's all great, but no private car insurance would cover you while doing that.
- FireBeyond 8y ago
  And then Uber offered insurance, as an appeasement, which for the longest time (still is?) third party liability only. Total your vehicle? Personal insurance won't touch it, and the Uber coverage you thought you had is useless.
michaelmrose 8y ago
I'm shocked that you are shocked. Driving commercially is an entirely different risk profile. The only way for commercial drivers to be covered by the same policy is to price the risk of an unknown number of commercial drivers into everyones policy.

by rayvy 8y ago

astura 8y ago

Commercial insurance is whole different ball game than personal insurance. Personal insurance typically doesnt cover commercial use. Driving for Uber is a commercial activity. I guess uber has an insurance policy that covers their drivers during rides now, so hopefully that kicked in to take care of your friend. Everyone should read their insurance policies to know their exclusions.

vinay427 8y ago
Note that most insurance providers won't cover drivers who have used their car to drive for Uber, regardless of whether they're driving for Uber at the time of the incident. Uber may cover you if you're on a trip, but it's up to you to make sure you have the right insurance plan (which usually means paying a nominal surcharge to your insurance provider in the US) to have insurance the rest of the time.
DanBC 8y ago
> covers their drivers during rides now In the US. It's not clear if they have this anywhere else.

gambiting 8y ago

Well yeah, of course - my car insurance specifically doesn't cover commercial activity in my car(as well as going off road, racing or track use), so if I started driving for uber I'd be 100% uninsured until I got commercial insurance. I think that was one of the greatest lies of Uber at the start "just drive your car for money in your free time!" - that's all great, but no private car insurance would cover you while doing that.

FireBeyond 8y ago
And then Uber offered insurance, as an appeasement, which for the longest time (still is?) third party liability only. Total your vehicle? Personal insurance won't touch it, and the Uber coverage you thought you had is useless.

michaelmrose 8y ago

I'm shocked that you are shocked. Driving commercially is an entirely different risk profile. The only way for commercial drivers to be covered by the same policy is to price the risk of an unknown number of commercial drivers into everyones policy.