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Am I Insured If I Take an Lyft?

Discussion in 'Lyft Riders Forum' started by Dreamer, May 30, 2015.

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  1. Dreamer

    Dreamer
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    Answer: It's complicated.
    Drivers for ride-sharing services such as Uber and Lyft are under increased attack from insurance companies. However, there is less publicity regarding ride-sharing passengers and their insurance coverage. Are they covered during ride-sharing, and if so, by whom? The answer is not always clear.

    Both Lyft and Uber have $1 million of liability coverage along with $1 million of uninsured/underinsured motorist coverage, in case passengers in a ride-sharing vehicle are injured by another motorist with insufficient coverage. According to Lyft’s website, this coverage applies from the time the rider accepts a ride request until the time the ride is officially ended in the app (presumably, after the passenger has exited the vehicle).

    It would seem that for most cases, the policy of the ride-sharing company will cover your costs — but it’s not obvious whether you will have to go through other insurance paths first. Theoretically, damages could be covered by the ride-sharing company’s liability if your driver was at fault, a third-party’s insurance company if they were at fault instead of the driver, or your own personal auto insurance company. Insurance is state-regulated, and as Lyft’s website notes, “…coverage may be modified to comply with local regulations and state laws.”

    Both Uber and Lyft make it clear on their terms and conditions pages that passengers assume risk in using their services. Experts think the disclaimers alone are not likely to shield Uber and Lyft from liability when push comes to shove, especially if the ride-share driver is clearly at fault.

    http://time.com/money/3901606/uber-lyft-insurance-liability-passengers/
     
  2. Lidman

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    I think the best thing to do is to contact your personal insurance and see if they'll cover you if you rideshare. Whatever do you don't try to hide any information from them.
     
  3. Milady de Winter

    Milady de Winter
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    Thats mighty good advice, doyle.
     
  4. Lidman

    Lidman
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    Thanks, it's not as complex as it's made out to be. I just don't be either uber or lyfts words alone.
     
  5. Throckmorton Subterfuge

    Throckmorton Subterfuge
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    CASS: Invite @Dobie Gillis to answer this Inquiry. HE of ALL
    Members, in BOTH Koreas, has
    this Topic down to a Science!.
     
    Harry Flashman likes this.
  6. Desert Driver

    Desert Driver
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    Without going into the whole thesis again, the key points are thus...
    1. When you're driving for Uber/Lyft you're more than likely in direct violation of the livery exclusion of your personal auto insurance policy.
    2. When you are operating your car in direct violation of ANY of the terms of your policy, you are operating your automobile without insurance coverage.
    3. If you get into an at-fault crash, U/L will tell you to first contact your insurance company.
    4. When you contact your insurance company and explain what happened you will be dropped by your insurance company. You will also be informed that there was no insurance coverage in place at the time of the accident since you were in direct violation of terms of your insurance policy.
    5. When you go back to Uber/Lyft for an insurance settlement you will have to tell them what happened. When you explain that you had no insurance coverage at the time of the accident, your claim will be denied because you told Uber/Lyft you had insurance coverage when you started driving.
    6. You now have a damaged car that you will have to repair/replace out of your own pocket.
    7. If you do get your car repaired or replaced out of your own pocket, you will have difficulty insuring it because you are now on record for violating your insurance policy terms and were dropped by your previous carrier.
    Bottom line here is that if you do not carry a commercial livery policy when you drive for Uber/Lyft you are playing Russian roulette. If you are involved in an at-fault accident, you are going to get bent over and phuqued...hard. And don't blame Uber/Lyft for your predicament as this is part of the U/L business model.
     
  7. Throckmorton Subterfuge

    Throckmorton Subterfuge
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    TOO BAD THAT TRAVIS IS TOO
    wrapped up in Playing Out his
    Role as "Big Brother" in the 2015
    Version of Orwell's 1984. Mark
    the Words of "TwoSheds": At
    some point it will be revealed
    that he has been on an Extended
    Hypomanic Episode, the End of
    Which comes with IPO or the
    Financial PreIPO Investigation
    that reveals the Likely Ruse....
    an Enron-style "House of Cards."
     
    Harry Flashman likes this.
  8. ClevelandUberRider

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    Geico and a few other auto insurers are drawing up hybrid policies for customers who do rideshare on a part time basis in several states. With the passing of time, that kind of policy is likely to be available in most states (not all states though, I know there are one or a few states that certain insurance companies try to avoid going in unless mandated by legislation or regulation, typically in densely populated states with high insurance payout history).
     
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