[UberBlackDriverLA]

Good for GEICO. They shouldn't be providing you commercial insurance at personal rates.

 

[UberBlackDriverLA]

Your personal insurance isn't being asked to cover your commercial activities. Uber provides commercial insurance for that.

You are so naive. Uber does not provide vehicle coverage during phase one. Not only that, everytime there is a claim, the personal insurance will be involved and they will have to defend themselves. This all raises costs.

 

[UberBlackDriverLA]

Uber has secondary liability insurance during phase one. The drivers need to ensure they are covered during phase one which is app on, no request or passenger. You claim it raises costs but that's just a fabricated claim.

Thank you for admitting that were wrong. Now your going to have to admit it again. The raised cost of covering commercial activity is the EXACT reason personal insurance companies do not want to cover Uber drivers.

 

[UberBlackDriverLA]

Uber has secondary liability insurance during phase one. The drivers need to ensure they are covered during phase one which is app on, no request or passenger. You claim it raises costs but that's just a fabricated claim.

Also, in California, Uber liability insurance is primary during phase 1. Quit babbling and go chase those $4 fares in your minivan.

 

[UberBlackDriverLA]

I got in a fender bender two years ago, I was turning right off Hollywood Blvd. and the car parked at the red curb drove straight ahead into my rear pax door (empty, driving to a ping, Pre Uber insurance days).. uninsured motorist driving a car who's registered owner was no place to be found.... anyway I had Geico, when I called it in I learned I did not have Uninsured motorist property damage... wait for it, that only costs $6.00 per year! So I ate it, $1,500.00 out of pocket. (try paying that today at .68/mile)

During the convo with Geico they asked me "why were you driving in that area after midnight?" I said I was taking my brother back to his hotel.
they then asked "are you driving the car for rideshare?" um... I don't think so, what is that?

The next week I switched the insurance on that car to Progressive. About the same price, now I have uninsured motorist collision coverage.

why don't you switch to Farmer's? The Uber endorsement is only a 5 to 8% surcharge.

 

[UberBlackDriverLA]

And yet mine does...without raising rates...how bout' that?

Another blanket statement shot down.

Funny... I never made a blanket statement so kinda hard to shoot it down.

You got your personal Uber insurance coverage in writing? hahahaha

 

[UberBlackDriverLA]

Blanket statement: "The raised cost of covering commercial activity is the EXACT reason personal insurance companies do not want to cover Uber drivers."

Mine covers Uber with no raise in rates.

You do not have that in writing.

 

[UberBlackDriverLA]

I will. I'm still covered whether you agree or not.

Right, because a judge is going to buy that fact that one of your family members said so. LMFAO

I suppose your policy also covers your criminal activity.

 

[UberBlackDriverLA]

Part time TNC is what the insurance company defines it, no ifs, ands, or buts. Again, I have it coming in writing and when I have it, I will post it. Until then, you guys can pretend to be State Farm policy writers.

Emphasis mine.

Same reply from his agent who even said no and even took his car off at first! He got a call back and was told yes, we do now. Just like I was.

On the Rideshareguy, you can find another driver that was told the EXACT same thing. It's not a coincidence.

My agent and I spoke specifically about Period 1 and I sent her the Uber certificate. She went to great lengths to get me an exact answer from corporate as she is very thorough and deals with commercial insurance all the time.

I have a hard time believing an insurance company is going to give you anything in writing saying they will cover you while you are committing criminal activity.

 

[UberBlackDriverLA]

If you drop me at my gated community home or office in a business complex, pull away, and strike a bicyclist, who covers you? This is an important scenario.

The key question in this scenario is if the app is turned off after dropping off. In California, if the app is turned off after dropping the client, the law permits (and perhaps mandates) personal auto policies to exclude coverage in this situation.

http://insurancethoughtleadership.com/california-law-on-uber-et-al-model-for-all-states/

 

[UberBlackDriverLA]

Geico/Progressive are about the same for our Camry at $350.00 per year for 100/300 full coverage.

Farmers is more that double that for similar coverage... THEN add 8% surcharge

UberX Rates just went down, my app is off, so Insurance is no longer a problem.

So you can have full coverage while Ubering for only an additional $406 per year and you find that expensive?

 

[UberBlackDriverLA]

At 67.5 to 72 cents a minute after Uber's cut and before vehicle expenses.......yeah, anything is expensive.

If you can't afford $406 per year, then it's time to delete the damn app.

 

[UberBlackDriverLA]

For some drivers, a hybrid policy may cost a few thousand dollars more than their existing personal policy.

In a market with super low fare rates, the few thousand dollars of extra fixed costs can be huge.

I understand not being able to afford a few thousand dollars, but if you cannot afford $406 A YEAR for proper coverage, then delete your driver app. I don't wanna hear anything from California drivers about insurance. There is affordable insurance out there. If you cannot afford insurance (in any market), then you are not making enough money to drive for Uber. Simple.