If you get a liability claim from an Uber user to your adjuster... they should be able to deny your claim.
A lie on your insurance application is an easy denial path for the carrier. Oh, and they'll accept your premium during that time. It's playing with fire.
edit: I just checked my geico policy information. They're already on it, as of my may 2014 policy renewal:
14. Personal vehicle sharing program means a business, organization, network
or group facilitating the sharing of private passenger vehicles for use by
individuals or businesses.
18. There is no coverage under this Section for any person or organization
while any motor vehicle is operated, maintained or used as part of personal
vehicle sharing facilitated by a personal vehicle sharing program.
So, they could deny coverage based on the details of your policy and the facts of the situation. Read carefully. Interpret broadly. When investigating the claims, they will inquire about the affiliations of the riders in the vehicle. I can imagine an Uber driver, with their riders holding their necks, running around saying, "When you talk to my insurance adjuster about this, I need you to lie or we all get nothing."
That would then be insurance fraud at a whole other level.
Insurance companies have been at policy fraud and claim denial for as long as auto insurance has been available.
Given odd situations with large payouts at stake, we'll be reading about subpoenas for user info from Uber or telecoms at some point. The meta-data of your fare(s) could be pretty damning.
Uber seems that it is not being responsible to its drivers or customers in this regard. Uber will feasibly need to not only buy a fleet of their own cars, they'll have to backstop claims for their drivers. They'll be a regular OLD taxi company with an app.
Oh wait... they are already doing this:
Their spin on this is interesting. I'd like to see feedback from a couple carriers.
Oh, we have that too...
[quote]In a filing with the California Public Utilities Commission in 2012, the Personal Insurance Federation of California, an industry group made up of State Farm, Farmers, Progressive, Allstate, Liberty Mutual, Mercury and Nationwide, said it asked its members to determine how they would treat liability claims in ride-service accidents.
In response to the Commission’s inquiries, we surveyed our members regarding coverage issues in the above described situations. It appears that the industry standard for personal auto insurance policy contracts is to exempt from insurance coverage claims involving vehicles used for transporting passengers for a charge. Thus, in situations where a vehicle is insured as a private vehicle and is used to transport passengers for a fee, no insurance coverage would exist…
and now grand entry of a police doing traffic stop on a UberX/Lyft car with a fare - no coverage at that moment , i.e. driving without insurance....
what does, on a mac, is
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