[LAOL]

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.

 

[Workerant18]

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

He said the damage is light. Someone hit my friend's car last year on the other driver's fault with light damages also. Uber only hold my friend's account like until my friend send Uber the pictures, in like 10 minutes, my friend was on the road again.

 

[Uber Arnie]

 

[LAOL]

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

What if he reports?

 

[Korean Ant]

Will I still have a deductible of some kind? Will my rates go up?


At least I think it was his fault. I was merging into a lane from being parked and he hit me. He said it was his fault. But I guess I could be at fault since I was merging...

If u want ur car fixed ASAP, u pay the deductible n ur insurance will get it reimbursed to u from the opposing insurance company.

Dont sweat it. Just get an attorney n start ur therapy n go get ur car fixed tomm. Pay whatever u need to n everything will be reimbursed n more!

 

[Phoenix123]

He said the damage is light. Someone hit my friend's car last year on the other driver's fault with light damages also. Uber only hold my friend's account like until my friend send Uber the pictures, in like 10 minutes, my friend was on the road again.

Light I got it, this is Uber we are talking about you never know what they are going to do

 

[Chocoholic]

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.

 

[LAOL]

Thank you!

 

[uberist]

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

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.

 

[mature423]

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.

 

[LAOL]

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?

 

[Chocoholic]

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 ultimately, you're insured with a combination of both. Ask an insurance agent to explain in detail. However, here's how it breaks down. There are 4 "periods" of insurance. Period 0, you're offline and covered by your own insurance. Period 1 - you're online but haven't accepted a ride. You're covered by your insurance again. NO UBER COVERAGE!. Period 2 - You've accepted a ride but haven't picked up the rider yet. The Uber insurance covers liability at that point, but not collision. That means they will pay for the other guy's damages but not yours. (However, I just looked at the Uber insurance page, it may have changed, but the footnotes aren't encouraging.) The Uber web page implies that your personal coverage has to handle your collision damage. Period 3 - you have a rider on board. Uber collision kicks in and you're "fully covered", subject to a $1000 deductible. That is, unless they refuse coverage, which could happen.

So, why are you paying the Gecko lizard? To make sure that you really are fully covered! If you don't have the rideshare endorsement, they can decline to cover you in full or part because you were driving rideshare at the time of the accident. This becomes especially important for periods 1 and 2 where Uber only provides partial coverage or in situations where Uber's insurance declines coverage.

I also recommend an additional "deductible assistance" rider. It's cheap and Allstate offers it, not sure about others. It pays the difference between your personal insurance deductible and the Uber $1000 or, more important, the Lyft $2500 deductible.

It's interesting that the Uber insurance page now displays the logos for Allstate, Farmer's, James River and Progressive insurance companies. No lizard though. Hmmm....

 

[UberLaLa]

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.

 

[Chocoholic]

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.

 

[UberLaLa]

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'll go with what Insurance companies say in writing:

There are three phases of risk facing an Uber driver and different coverage Uber provides in each phase. These are discussed below.

• Phase 1: The Sign-in Phase-This is the period when you are available for rides but have not yet accepted a passenger. This phase is the biggest area of gap coverage for a driver. Uber provides $50,000/$100,000 total for injuries and $25,000 for property damage to others ($30,000 in Minnesota). Beyond those amounts, the driver's personal assets are entirely at risk. Also, in this phase, damage to the driver's car has no coverage whatsoever.
• Phase 2 (Acceptance) and Phase 3 (Transporting a Passenger(s))-Uber provides the most coverage in these two phases: $1 million combined for liability ($1.5 million in Minnesota), $1 million for injuries caused by uninsured and underinsured motorists, and $1,000 deductible for damage to the driver's vehicle.

(Note: Lyft provides similar coverage in all three phases, except it caps the payout on the driver's vehicle at $50,000 with a $2,500 deductible. (Source: IRMI Personal Risk Management and Insurance.))

In one shift, a driver will pass through each of the phases several times, and his personal auto policy won't apply until he signs out and his shift is over.

Optional Ride Share Endorsements
To my knowledge, all ride share endorsements currently available pick up the coverages excluded in phase 1 (logged on, but no rides accepted yet). There's no standardization of forms, so each endorsement available will need to be read and interpreted by a professional.

For a cost of about $10 a month, Safeco has just introduced its ride share endorsement that reinstates during phase 1 all the liability, uninsured/underinsured motorist, collision, and comprehensive coverages that are otherwise excluded.

https://www.insurance.com/auto-insurance/coverage/insurance-rideshare-uber-lyft.html

What is Period 1? When does rideshare insurance kick in?
Here is how coverage works:

Period 0: You do not have the rideshare app on, and your own auto insurance is in effect for coverage.

Period 1: You have the rideshare app on and are available to accept a passenger. Your own car insurance doesn't cover you, and Uber and Lyft coverage proivdes just limited liaiblity coverage, which doesn't cover your car or your injuries.

Period 2: You accept a ride request, so the rideshare company's insurance is in effect and provides coverage.

Period 3: Your passenger is the car, so the rideshare company's insurance is in effect and provides coverage.

Rideshare Endorsement's ONLY Cover Period 1.

 

[Chocoholic]

I'll go with what Insurance companies say in writing:

There are three phases of risk facing an Uber driver and different coverage Uber provides in each phase. These are discussed below.

• Phase 1: The Sign-in Phase-This is the period when you are available for rides but have not yet accepted a passenger. This phase is the biggest area of gap coverage for a driver. Uber provides $50,000/$100,000 total for injuries and $25,000 for property damage to others ($30,000 in Minnesota). Beyond those amounts, the driver's personal assets are entirely at risk. Also, in this phase, damage to the driver's car has no coverage whatsoever.
• Phase 2 (Acceptance) and Phase 3 (Transporting a Passenger(s))-Uber provides the most coverage in these two phases: $1 million combined for liability ($1.5 million in Minnesota), $1 million for injuries caused by uninsured and underinsured motorists, and $1,000 deductible for damage to the driver's vehicle.

(Note: Lyft provides similar coverage in all three phases, except it caps the payout on the driver's vehicle at $50,000 with a $2,500 deductible. (Source: IRMI Personal Risk Management and Insurance.))

In one shift, a driver will pass through each of the phases several times, and his personal auto policy won't apply until he signs out and his shift is over.

Optional Ride Share Endorsements
To my knowledge, all ride share endorsements currently available pick up the coverages excluded in phase 1 (logged on, but no rides accepted yet). There's no standardization of forms, so each endorsement available will need to be read and interpreted by a professional.

For a cost of about $10 a month, Safeco has just introduced its ride share endorsement that reinstates during phase 1 all the liability, uninsured/underinsured motorist, collision, and comprehensive coverages that are otherwise excluded.

https://www.insurance.com/auto-insurance/coverage/insurance-rideshare-uber-lyft.html

You're right, it's what the insurance companies say in writing, in the policy. So let's dig a little further.

From the Uber Insurance web page, comes this statement and then the very fine print in footnote 3:

Available or waiting for a ride request
Uber maintains the following auto insurance on your behalf in case of a covered accident
Third-party liability if your personal auto insurance doesn't apply¹

• $50,000 in bodily injury per person
• $100,000 in bodily injury per accident
• $25,000 in property damage per accident

En route to pick up riders and during trips
Uber maintains the following auto insurance on your behalf in case of a covered accident

• $1,000,000 third-party liability
• Uninsured/underinsured motorist bodily injury²
• Contingent comprehensive and collision³
  • Up to actual cash value of car ($1,000 deductible)

¹We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.
²Uninsured /underinsured motorist bodily injury limits vary by state but are at least $250,000.
³May apply to damage to your vehicle as long as you have personal insurance that includes comprehensive and collision coverage for that vehicle to cover you while you're not using the Uber app.

So, as your post stated, for collision coverage on the DRIVER'S car, personal insurance, but only if you have a rideshare endorsement. Further, if you don't have personal collision coverage, Uber won't cover it either (footnote 3).

Oh, let me add that this appears to be a recent change. I believe that as recently as December, (I could be wrong) they didn't provide collision coverage (covers driver's car, not other parties' property) during phase 2 - just property damage to other's property. This looks new.

Finally, it matters what your PERSONAL insurer says. Uber/Lyft insurance's statements have no bearing on what your personal insurer says. If they say that you're covered, then you're covered for all those gap situations that we pass through every day. They will cover periods 2 and 3 when Uber/Lyft won't, provided they've said so in your policy. YOU need to verify this with them. (I tortured my agent while they, and their underwriter, learned all the ins and outs of rideshare! It was well worth it. They had it wrong twice before they got it right and understood it themselves. )

So, yeah, it matters what ALL the insurers say. :smiles:

 

[UberLaLa]

Finally, it matters what your PERSONAL insurer says. Uber/Lyft insurance's statements have no bearing on what your personal insurer says. If they say that you're covered, then you're covered for all those gap situations that we pass through every day. They will cover periods 2 and 3 when Uber/Lyft won't, provided they've said so in your policy. YOU need to verify this with them. (I tortured my agent while they, and their underwriter, learned all the ins and outs of rideshare! It was well worth it. They had it wrong twice before they got it right and understood it themselves. )

So, yeah, it matters what ALL the insurers say. :smiles:

And what does your actual policy (in writing) say?

I know there are expensive policies out there that will cover all phases fully, but those are not Endorsements.

 

[BlackLuxGL]

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.

 

[Chocoholic]

And what does your actual policy (in writing) say?

I know there are expensive policies out there that will cover all phases fully, but those are not Endorsements.

It says what I said. I'm fully covered and it only costs me about $150 extra a year (i think). Besides, it only matters what my policy says to me. The big point here is this: What does yours say to you???? :smiles:

 

[LAOL]

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?