Hope you’re ok?

Find a tow truck. Find a body shop. Tow the car there. Call Uber.

 

The damage is barely noticeable.

Sorry. Should have given more details. The damage to my car is less than $1000 (I think). His was even less. Just not sure who I should contact, and what will cost me the least amount of money.

 

The damage is barely noticeable.

Was it your fault? Did you get the other drivers info? If it's under the $1000 deductible you might want to live with it.

The damage is barely noticeable.

Sorry. Should have given more details. The damage to my car is less than $1000 (I think). His was even less. Just not sure who I should contact, and what will cost me the least amount of money.

If it was HIS fault and you got his info contact his insurance company.

 

It was his fault. Got all his info.

 

Then you're in good shape.

 

He apologized. Think he was on his phone. I’m just worried I’ll call his ins co, they’ll fight it and I’ll end up paying and getting my rate hiked.

 

He apologized. Think he was on his phone. I'm just worried I'll call his ins co, they'll fight it and I'll end up paying and getting my rate hiked.

It shouldn't involve your insurance at all as Uber is responsible.

 

If you are merging, then by law it should be your fault.but if he accepted that it is his fault, then remember to tell Uber right away. Let them call that driver immediately before he change his mind or consult anyone.

 

This is very tricky / sticky. If you report it to Uber they’ll put your account on hold until you fix the damages that can put you out of a loss for a week or two if the other company does actually admit fault then you’re OK if they don’t then they’re going to come after you and it’s either going to be your insurance company or Uber‘s insurance company so you do need to report it to an insurance company which one I’ll let you decide on that one because although he’s admitting fault The insurance company will do their own investigation and you don’t want to get stuck not having somebody already in your corner with your side of the story to validate the position that you are claiming

 

This is very tricky / sticky. If you report it to Uber they'll put your account on hold until you fix the damages that can put you out of a loss for a week or two if the other company does actually admit fault then you're OK if they don't then they're going to come after you and it's either going to be your insurance company or Uber's insurance company so you do need to report it to an insurance company which one I'll let you decide on that one because although he's admitting fault The insurance company will do their own investigation and you don't want to get stuck not having somebody already in your corner with your side of the story to validate the position that you are claiming

That's why I'm thinking I should just fix it myself and move on.

 

I hope this wake up call has you stop what you're doing and get a good policy like Geico Hybrid or a commerical policy.

 

I have a commercial policy with Geico.

 

it's your fault or at best it will be 50/50, don't report anything

 

What if he reports?

 

 

No question on this one. HIS fault? HIS INSURANCE PAYS ALL! Be sure to get a rental car on their dime and to demand that they pay you for lost wages. Yes, you can justify that based on your driving history. If they balk on it, tell them that you will turn this over to your attorney and they can add attorney's fees and damages to the bill. AND FOLLOW THROUGH WITH AN ATTORNEY.

The advice is correct. CONSULT AN ATTORNEY! THEY can tell you the very best way to handle all this!!! They may not take a case that goes to court, but they'll definitely send the appropriate letters to the other insurance company and get a better settlement - for a fee. At the very least, they will likely give you an initial consult to lay it out for you, often free, or for a modest fee.

If you have to file on your policy, (because the other company refuses coverage) and it's less than $1k, then it's on your deductible vs. uber's. There's also the risk of deactivation pending repair. (They do allow minor dents, so if deactivated, go to a greenlight hub and see if they'll approve driving it until its fixed.) If you're deactivated, that's more evidence of lost wages. Hopefully, you have a rideshare endorsement on your policy so your company won't squawk. If it's over $1k, do you have deductible assistance? It covers the difference between your personal deductible and Uber's $1k.

HOWEVER, ask your agent what happens if you file a claim. Specifically, will your premium go up? Will it go up if the damage is under $1000 (or some other amount)? What if it is totally not your fault? I discovered after a minor accident that if the total claim was over $1k (it was my fault), that they'd pay, but my insurance over the next 3 years would cost me an additional $1700 per year! (Fortunately, it totaled out to under $600. Fixed my own car for $20.) If it had been over $1000, I would have been far better off to pay it all out of my own pocket.

I've been wandering all over the place, but all are important thoughts. Hope it helps.

 

ahhh you were on the clock for uber, shouldnt be that difficult to figure out.

But I pay for the rideshare endorsement with Geico. If Uber covers me whenever I'm driving for them then why am I paying extra to the gecko?

 

Thank you!

 

Just because someone admits fault at the scene doesn't mean shit unless you recorded him saying that on your phone or something. When they get their insurance contacted and start to see the estimate of the bill, their tunes change in a heartbeat. Everyone one starts lawyer'ing up and denying everything.

 

If you tell Uber they will immediately put your account on Hold. Until you send them photos of the damage, and then the damage repaired.

There are three phases when driving Rideshare and using the Endorsement. Your insurance company will only pay on the 1st phase (waiting for a Ping).

I would take care of this with other driver and not involve any insurance companies, if possible.

 

If you tell Uber they will immediately put your account on Hold. Until you send them photos of the damage, and then the damage repaired.

There are three phases when driving Rideshare and using the Endorsement. Your insurance company will only pay on the 1st phase (waiting for a Ping).

I would take care of this with other driver and not involve any insurance companies, if possible.

Edit:

Not exactly true, my friend. IF you have the rideshare endorsement, your personal coverage does cover what Uber/Lyft doesn't cover, during all periods (unless there's a valid reason that ALL insurance disavows coverage, like intentional malicious destruction by the policy holder.) I grilled my agent repeatedly about this and about numerous scenarios.

 

I had to look into this recently -- I think the liability comes down to if you were "established in the lane" or if he was. If you were changing lanes or entering traffic you have a duty to do so safely. The fact that someone hit you suggests that you did not. Recently had to learn all about this when a guy pulled away from the curb while I was pulling over to the curb. He hit my right rear passenger door or in his opinion I clipped his front end. But he had the duty to enter traffic safely. My insurance said I wasn't at fault but they other guy's insurance didn't take responsibility either so we're still fighting it out a little.

If your damages are minor you might be best trying to brush of the dust and move on. If CarFax gets wind of it and your vehicle isn't clean anymore than you will take a hit on value there. And if it goes against you your insurance rates will almost certainly jump up quite a bit. And as others have said if uber or lyft catch wind of it you have risk there too.

 

Thanks for this. Yeah, I'm thinking I'll just leave it. Maybe paint over the scratches or pop on a new door. Where is everyone's favorite junkyard for Prius parts?

 

Do you have dashcam footage of the accident?

Review it and if it helps you, contact his insurance company with it.

If not "oops I formatted the memory card"

 

Or, just call the guy who hit you. Say you feel bad for him and would he rather go through insurance company or just pay you cash.

Also, was he in the lane you were merging into or was he also merging into the same lane?

 

Since you considered the option of no reporting and the guy admitted fault, you could of offered him to pay you a small amount like 500-700 hundred, which is cheaper than his deductible and his insurance payments potentially going higher?

 

I wouldn't do that without first getting a good estimate from a body shop. With modern cars, hidden damage can be brutal. A friend had their mercedes get "bumped into" in the rear quarter while parked by a winnebago that was backing up. It slid the car sideways a little at the pace of a turtle. On the outside, looked like the rear quarter needed to be bumped out. On full inspection, it messed up the car's entire spaceframe, rear axle and transmission. In the end, it was totaled for over $20k.

So get the estimate first, especially if the bumper was hit.

 

Just call your insurance company and leave Uber out of it, don't even mention Uber to your insurance because I suspect you don't have rideshare coverage and you'll have your personal insurance coverage canceled immediately. Treat it as a normal accident.

 

He has a commercial policy, reading is very helpful when responding

 

Never tell your insurance you drive for Uber. Your policy will get cancelled right away unless you have a rideshare endorsement. If there is no pax involved and it's not your fault, let your insurance know and let them deal with the other party (that's their job and that is the reason why you pay premiums). Do report to Uber only if a pax is in your car when the accident happens.

 

It was his fault. Got all his info.

DON'T tell UBER.

Get an estimate for repair and provide it to his insurance company. Do you have a dashcam? Provide them with the footage? You don't have a dashcam? Get a dashcam.

 

The damage is barely noticeable.

Sorry. Should have given more details. The damage to my car is less than $1000 (I think). His was even less. Just not sure who I should contact, and what will cost me the least amount of money.

Don't report or contact anyone. Fix it on your own. Not worth letting Uber knows, account goes on hold.

 

Thank you all for your responses! I’ve decided I am going to not tell anyone and fix it myself as it generally ends up costing me money whenever I go to my insurance company or Uber.

 

But I pay for the rideshare endorsement with Geico. If Uber covers me whenever I'm driving for them then why am I paying extra to the gecko?

Because while the app is on and your sitting in your car you are uninsured by both without the endorsement.