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Today we’re going to merge the two topics in one and provide you some legal information about Uber & Lyft.

Let’s dive right in!

DRIVING FOR UBER CAN CANCEL YOUR PERSONAL CAR INSURANCE

Table of content:

• What is the reason for that?
• Does your policy cover commercial driving?
• How does it work?
• What do policies address?

Driving for Uber can cancel your personal car insurance. That is today’s topic. Your personal car insurance may not provide you with coverage while using the car for Uber driving purposes.

What is the reason for that?

This is because personal car insurance policies have a list of exemptions and often include driving for hire – “Driving for Hire” – as Americans say.

Does your policy cover commercial driving?

If you drive for Uber or Lyft or similar services. Make sure your policy covers this commercial ride. If the answer is no, which is most likely the case. You will have to consider buying supplemental commercial car insurance, which for many Uber drivers, who only work part-time, may not even pay off. It needs to be checked. Uber provides some kind of automatic insurance only when the app is turned on. Uber requires that all their drivers have car insurance. And it provides additional insurance but only while the app is on.

How does it work?

When the uber app is turned off the driver is covered by his own car insurance. If the uber application is turned on, low liability insurance – something minimal becomes active. When the trip is accepted and when the guest enters the car, a higher level of coverage is triggered and remains active until the passenger exits the vehicle. Uber’s previous insurance only offered coverage for the driver when the passenger was in the car. The company then changed the rules. As soon as the application is turned on, the insurance takes effect. Lyft and Uber and some other similar companies show that $ 1 million per incident covers the excessive liability that certain states require. They have a million-dollar policy.

What do policies address?

The policies are designed to address liability claims that are not covered by the driver’s personal insurance. This part of the insurance will not cover the material damage of the car. You must count on your personal insurance policy for material damage to your car. For this reason, insurance companies have recently opened additional coverage options specifically for Uber and Lyft drivers, which are available in all 50 states of America. If you want to start driving for Uber, it is best to talk to your insurance agent about this fact. Find out if you need a commercial policy and find out if you need a commercial driver’s license. It depends on which car you drive for them.

INJURED IN AN UBER OR LYFT VEHICLE

Table of Contents

• Whose insurance applies if you are injured as a passenger in an uber or lyft accident?
• What about insurance?

Today’s topic is uber and lyft accident.

Whose insurance applies if you are injured as a passenger in an uber or lyft accident?

If you are rear-ended as a passenger in an uber or lyft vehicle, then obviously if the vehicle that caused the accident, the one behind you did have insurance, then their insurance is gonna kick in and cover all of your damages, if they had enough coverage.

What if the accident is caused by the lyft or uber driver, what if he ser or she have called?

Well, in that case, their insurance company kicks in, so the uber or lyft drivers insurance company kicks in if they had a business use exception under the same.

There’s got to be that exception otherwise they’re not gonna pay for it. If they did have it, their insurance company is gonna pay for it.

However, if they did not have that business use exception. And they’re at fault then the good news is that uber and lyft do have an uninsured or underinsured coverage of a million dollars.

What about insurance?

Even if the insurance for the lyft or uber driver kicks in. But God forbid it’s not enough for your injuries. Then uninsured and underinsured coverage that uber and lyft carry of a million dollars kicks in and they pay for your bodily injuries.

It will also kick in if the other driver that hits you did not have coverage and the insurance for the uber/lyft driver doesn’t kick in.

The example we used initially as an uber or lyft passenger, you guys get rear-ended. The vehicle that caused the accident behind you did not have coverage. And the uber and lyft drivers insurance doesn’t kick in.
Then again uber and lyft do have uninsured or underinsured coverage up to a million dollars for your bodily injuries.

If you have any question about uber or lyft accident call me 314-352-6800. Thank you.