Uber Drivers Forum banner
1 - 11 of 11 Posts

·
Registered
Joined
·
64 Posts
Discussion Starter · #1 ·
victim of a hit and run tonight while driving passengers to their destination. Front end damage, still drivable. Does Uber's liability cover that deductible free. Filed police report and passenger can confirm the individual ran the red light.
 

·
Registered
Joined
·
64 Posts
Discussion Starter · #3 ·
My personal policy with rideshare endorsement has a 500 collision deductible. Do I pay that or Uber's 1,000?
 

·
Banned
Joined
·
11,813 Posts
My personal policy with rideshare endorsement has a 500 collision deductible. Do I pay that or Uber's 1,000?
You have a choice. Pay the $500 deductible and claim the accident on your rideshare endorsement or pay the $1000 and let Uber's insurance handle it. Only bad news is that your claim with your insurance will constitute a loss run. Since rideshare insurance is so new I don't know how they calculate premiums, but with commercial insurance any claims against your policy makes a considerable premium increase.
 

·
Registered
Joined
·
7,046 Posts
  • Like
Reactions: cycione77

·
Registered
Joined
·
64 Posts
Discussion Starter · #6 ·
I also have uninsured motorist property damage through State Farm. I've read where that may have an even lower deductible. $200 maybe? In Tennessee

Talked to my agent today. My uninsured property damage should cover me. Deductible would be $200. I started the claim process with SF. No penalty against me for the hit and run.
 

·
Registered
Joined
·
7,046 Posts
I also have uninsured motorist property damage through State Farm. I've read where that may have an even lower deductible. $200 maybe? In Tennessee

Talked to my agent today. My uninsured property damage should cover me. Deductible would be $200. I started the claim process with SF. No penalty against me for the hit and run.
I would pretend that you werent ubering then, if it won't count against you.
 

·
Registered
Joined
·
1,501 Posts
Why pretend he wasn't ubering? Let his rideshare endorsement policy cover it and get subrogation from James River.
 

·
Registered
Joined
·
9,688 Posts
Why pretend he wasn't ubering? Let his rideshare endorsement policy cover it and get subrogation from James River.
Does JR insurance's Uninsured Motorist policy have a deductible?

Uber said:
The policy also covers bodily injury caused by uninsured and underinsured motorists up to $1 million/incident, so that no matter who is at fault, coverage is in place.
It just says that their Uninsured Motorist is for bodily injury, it doesn't specify if that covers Collision/Comprehension.
 
1 - 11 of 11 Posts
Top