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Discussion Starter · #1 ·
I was just in my second accident in a little over two weeks. In both accidents I've been rear-ended. I've had passengers in my car. And the accidents were 100% not my fault. Still, I am denied my ability to earn an income until my car is fixed and certified as drivable by über. It seems to me Über should have something in place to help replace our income until insurance can cover the lost income. Had it happened in a few weeks from now I would not be able to eat until the car was fixed
 

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There is no question that some sort of on call accident insurance that covers lost time should be available. Uber won't do it as its a little to close to being some sort of employee perk, but sure some three party insurance company could cover it at a small premium? Maybe the insurance geeks here could chime in. Sorry for your lost time and hope you get back on the road quickly.
 

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I was just in my second accident in a little over two weeks. In both accidents I've been rear-ended. I've had passengers in my car. And the accidents were 100% not my fault. Still, I am denied my ability to earn an income until my car is fixed and certified as drivable by über. It seems to me Über should have something in place to help replace our income until insurance can cover the lost income. Had it happened in a few weeks from now I would not be able to eat until the car was fixed
The key here is that you are neither earning, nor being paid, a wage.

You are operating a business and you are fully responsible for providing the main tool needed ( a working car) in order to operate your business. If you cannot afford to immediately replace that tool, then you should not be in business.
 

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The key here is that you are neither earning, nor being paid, a wage.

You are operating a business and you are fully responsible for providing the main tool needed ( a working car) in order to operate your business. If you cannot afford to immediately replace that tool, then you should not be in business.
What's been your satisfaction in how your accident has been handled by Uber. Any update?
 

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Discussion Starter · #6 ·
What's been your satisfaction in how your accident has been handled by Uber. Any update?
They are okay when it comes to handling the accident. Fairly efficient although sometimes they miss things while trying to move quickly. My biggest issue is that in dealing with them via "Uber Help", your emails are first run through a computer and often get robo-responses that have nothing to do with what you need help with. For example I just made a suggestion to them that they could offer to provide a leased vehicle to be used while my car was being repaired and the cost of that vehicle could be charged to either me or the other driver when fault was determined. In response I got this long email about the Uber Leased vehicle program. I've had many issues with this and Uber. Their help system sucks!
 

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Discussion Starter · #7 ·
What insurance do you have? Do they know you were ubering?
They didn't until I had my first accident. I was not aware that I was supposed to inform them. Good thing the first drive ended up being insured. Otherwise I wouldn't have been covered for my damages.
 

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Discussion Starter · #8 ·
The key here is that you are neither earning, nor being paid, a wage.

You are operating a business and you are fully responsible for providing the main tool needed ( a working car) in order to operate your business. If you cannot afford to immediately replace that tool, then you should not be in business.
I agree but Uber needs to understand that while I am not working they are losing my income as well and quite frankly, this is starting to show me that I can't afford to drive for Uber any longer. I would have more security and a better income working for McDonalds. That is a very sad thing to say but it's starting to appear true. Uber may be great for it's customers but it treats its contractors like shit and I don't think I will be recommending anyone drive for Uber from this point forward. There is way too much risk involved for what they pay us drivers.
 

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I agree but Uber needs to understand that while I am not working they are losing my income as well and quite frankly, this is starting to show me that I can't afford to drive for Uber any longer. I would have more security and a better income working for McDonalds. That is a very sad thing to say but it's starting to appear true. Uber may be great for it's customers but it treats its contractors like shit and I don't think I will be recommending anyone drive for Uber from this point forward. There is way too much risk involved for what they pay us drivers.
Uber isn't losing anything. The rides you would have gotten are just given to another driver.
 

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They are okay when it comes to handling the accident. Fairly efficient although sometimes they miss things while trying to move quickly. My biggest issue is that in dealing with them via "Uber Help", your emails are first run through a computer and often get robo-responses that have nothing to do with what you need help with. For example I just made a suggestion to them that they could offer to provide a leased vehicle to be used while my car was being repaired and the cost of that vehicle could be charged to either me or the other driver when fault was determined. In response I got this long email about the Uber Leased vehicle program. I've had many issues with this and Uber. Their help system sucks!
Wow man, tough luck big time, my heart goes out to you.

It does make me curious though, how the insurance issues were handled. I keep trying to imagine how much of a mess I'd be in witht he same situation. I mean, I picture myself just using the waybill insurance information for the other party (other vehicle), and the passengers, I think this is the 'commercial grade insurance' the regulators have fits about, but I doubt it has any provisions for you the driver at all. I just got done paying $300 for my monthly on the car I drive but since it's not commercial insurance, I (and same as you) can't make any income claims on either policy, which has led me to speculating on how to jut get commercial insurance, period.

I'm also curious, if you care to share, how the process went for you? I mean did the Uber insurance cover your car in any way? Or was it your personal insurance? (Metromile?) How did you deal with the passengers?
 

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Some businesses carry a kind of profit insurance in the event of power outage or other unforseen catastrophe. I'm not sure that kind of insurance is available to small fish like us though.
 

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What's been your satisfaction in how your accident has been handled by Uber. Any update?
It was on Lyft. They reactivated me within 12 hours of my report and deactivation. Their deductible is $2500, so when I finally fix it right it will come out of my pocket. I do have RideShare Gap coverage from USAA, but that does not cover when there is a pax in the car. Door works good enough that no one even notices (latches fine so no safety issue, very small dent on exterior). Accident was never reported to Uber... so never had an issue with them.
 

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Discussion Starter · #15 ·
Wow man, tough luck big time, my heart goes out to you.

It does make me curious though, how the insurance issues were handled. I keep trying to imagine how much of a mess I'd be in witht he same situation. I mean, I picture myself just using the waybill insurance information for the other party (other vehicle), and the passengers, I think this is the 'commercial grade insurance' the regulators have fits about, but I doubt it has any provisions for you the driver at all. I just got done paying $300 for my monthly on the car I drive but since it's not commercial insurance, I (and same as you) can't make any income claims on either policy, which has led me to speculating on how to jut get commercial insurance, period.

I'm also curious, if you care to share, how the process went for you? I mean did the Uber insurance cover your car in any way? Or was it your personal insurance? (Metromile?) How did you deal with the passengers?
They are no different really than your own insurance company. Big difference is the $1000 deductible.
 

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They are no different really than your own insurance company. Big difference is the $1000 deductible.
Here is some advice since you've already had two accidents where you have been rear ended. If you're Not At Fault (clearly likely if hit from rear end) never call your own insurance company first. ALWAYS first attempt to do the claim with the other party's insurance. Then you have the following benefits:

1) Don't have to worry about paying deductible and then waiting for you're insurance to have to recover it for you from the other insurance company, and making you wait a long time to be reimbursed.

2) Starting any claim with your own insurance company (even if not your fault) CAN and likely will increase your renewal premium. As you're a bigger risk (even having Not At Fault accidents).

3) The other insurance company will offer you rental car right away (not that you can use it for driving Uber though)

4) MAY be able to get them to agree to lost wages or a lump sum for misc charges.
 

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Here is some advice since you've already had two accidents where you have been rear ended. If you're Not At Fault (clearly likely if hit from rear end) never call your own insurance company first. ALWAYS first attempt to do the claim with the other party's insurance. Then you have the following benefits:

1) Don't have to worry about paying deductible and then waiting for you're insurance to have to recover it for you from the other insurance company, and making you wait a long time to be reimbursed.

2) Starting any claim with your own insurance company (even if not your fault) CAN and likely will increase your renewal premium. As you're a bigger risk (even having Not At Fault accidents).

3) The other insurance company will offer you rental car right away (not that you can use it for driving Uber though)

4) MAY be able to get them to agree to lost wages or a lump sum for misc charges.
That's pretty solid and sound MattMikey, thanks.
 
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