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I got lucky, I wrecked my car (not while doing a gig) but my insurance company was like "were you doing a gig job?". Had to prove I wasn't. I don't get in many

by ge96 2y ago

I got lucky, I wrecked my car (not while doing a gig) but my insurance company was like "were you doing a gig job?". Had to prove I wasn't. I don't get in many wrecks, had 1 in my life so far that was this bad (totaled car). edit: I'm aware you're supposed to get some kind of special business insurance but at the time I was not aware of that. Thankfully this insurance company who I had been with for almost 10 years honored my claim. I am glad I'm able to drive on the side. Turn it on and go nice to have extra cash. I am aware of the instant pay (fee) but I also like that vs. waiting for ACH to clear day(s) later.

null0pointer 2y ago
> Had to prove I wasn't. How did you prove it? What is their standard of evidence? My intuition says it would be difficult to prove a negative.
- jandrese 2y ago
  I would think the burden is on them to prove that you were. They were just digging for a reason to deny the claim. If the police report mentions an second individual in the car unrelated to you then they might start digging around for your name in Uber or Lyft, but most of the time that is probably just a standard question to screw over the unwary.
- ge96 2y ago
  Screenshot of my (gig) app history, I guess arguably that can be faked I do food deliveries primarily since my car isn't accepted as a passenger car
  - etblg 2y ago
    How come your car isn't accepted as a passenger car? 2 door coupe or something? Delivery van?
    - ge96 2y ago
      Yeah doors/small and uncomfortable. I wish I could drive people (makes more) but at the same time I got my car for me. It's not a fancy car I wish, once I'm not in debt/have more money I want to graduate to cooler cars like a Lotus Exige. As an aside, delivery can be fun as far as exploring a city and meeting random people (mostly the food workers) but it's a way to get out. I am destroying my car though putting like 1000 miles a week on it or more. I think once I'm out of debt I won't drive/donate plasma anymore and just use my spare time for other things provided a have a good paying job like I do now.

by ge96 2y ago

null0pointer 2y ago

> Had to prove I wasn't. How did you prove it? What is their standard of evidence? My intuition says it would be difficult to prove a negative.

jandrese 2y ago
I would think the burden is on them to prove that you were. They were just digging for a reason to deny the claim. If the police report mentions an second individual in the car unrelated to you then they might start digging around for your name in Uber or Lyft, but most of the time that is probably just a standard question to screw over the unwary.
ge96 2y ago
Screenshot of my (gig) app history, I guess arguably that can be faked I do food deliveries primarily since my car isn't accepted as a passenger car
- etblg 2y ago
  How come your car isn't accepted as a passenger car? 2 door coupe or something? Delivery van?
  - ge96 2y ago
    Yeah doors/small and uncomfortable. I wish I could drive people (makes more) but at the same time I got my car for me. It's not a fancy car I wish, once I'm not in debt/have more money I want to graduate to cooler cars like a Lotus Exige. As an aside, delivery can be fun as far as exploring a city and meeting random people (mostly the food workers) but it's a way to get out. I am destroying my car though putting like 1000 miles a week on it or more. I think once I'm out of debt I won't drive/donate plasma anymore and just use my spare time for other things provided a have a good paying job like I do now.