[Johnnydiec]

He said that If you are online but have not yet accepted any riders yet, Uber collision will not pay for your car damage, does he is right about this?

 

[Uberforpresident]

He looks ready and happy to get your money

 

[Stevie The magic Unicorn]

This explains the situations.

Without rideshare insurance that statement is correct. Neither uber nor your personal insurance will pay to fix your car.

This has been known for years.

 

[Atom guy]

And if you are logged in but not on a trip, your personal insurance knows that how? You are just a driver in a car on the street like any other at that point.

 

[Older Chauffeur]

And if you are logged in but not on a trip, your personal insurance knows that how? You are just a driver in a car on the street like any other at that point.

If your insurance company knows, or even suspects that you drive doing ride share/food delivery, etc, they will check with Ube/Lyft to see if you were online at the time of the accident. Keep in mind that lying to your insurance company, either directly or by omitting factual information is considered fraud. So if you haven’t voluntarily told your insurer that you are using your car for gig work, or answered no when asked about it in order to obtain coverage, you could find yourself prosecuted and/or without coverage.

 

[Stevie The magic Unicorn]

(d) In a claims coverage investigation, a TNC shall immediately provide, upon request by a directly involved party or any insurer of the TNC driver, if applicable, the precise times that the TNC driver logged on and off the digital network in the 12-hour period immediately preceding and in the 12-hour period immediately following the accident. An insurer providing coverage under subsection (7) shall disclose, upon request by any other insurer involved in the particular claim, the applicable coverages, exclusions, and limits provided under any automobile insurance maintained in order to satisfy the requirements of subsection (7).


So this is what the law in florida says. Basically Anyone involved in an accident can just straight up ask uber and they have to respond with log in times. Then this paragraph kicks in once you are logged in.


(b)1. An insurer that provides an automobile liability insurance policy under this part may exclude any and all coverage afforded under the policy issued to an owner or operator of a TNC vehicle while driving that vehicle for any loss or injury that occurs while a TNC driver is logged on to a digital network or while a TNC driver provides a prearranged ride. Exclusions imposed under this subsection are limited to coverage while a TNC driver is logged on to a digital network or while a TNC driver provides a prearranged ride. This right to exclude all coverage may apply to any coverage included in an automobile insurance policy, including, but not limited to:

(including but not limited to basically anything)


So in practice..

Let's say a rideshare driver rear ends me. The adjuster sees pictures of the other dudes car. He sees an uber sticker on the windshield.

He puts in the request through the uber back channel for insurance adjusters and gets the log-in times.

OH LOOK AT THAT.. the driver was logged into uber and lyft at the time of the incident. Now he calls your insurance company.

"Hey joe, about that accident that wer'e working on that with Stevie M. Unicorn? Yeah I queried up uber and they are showing your driver was logged in. So I'm dropping the claim against acme and refiling against Allstate"

"Sweet, that means I can just file a denial letter and not pay out shit, thanks for letting me know, beers on me buddy"

 

[Goodellsux]

He said that If you are online but have not yet accepted any riders yet, Uber collision will not pay for your car damage, does he is right about this?

That’s correct if you are online, but have not accepted a ride, Uber insurance will not cover it Uber insurance kicks in when you have accepted a ride plus after you’ve picked it up and until you complete that ride.

if you have a commercial policy that covers rideshare, or a rideshare rider/policy, then your company will cover the damage to your car if it’s your fault or not, as long as you have not accepted, or have a rideshare rider in your car. If you do not have a rideshare rider, you’re screwed and your insurance company will not cover it if they come to know that you drive for rideshare. They can also drop you as a customer.

 

[SoutheastAsian]

You can not lie to your personal insurance, Uber will contact you and let your insurance know,
5 years ago, I was online with uber, the car drove in the wrong way late at night and hit my front bumper,front camera malfunctioned, and the cost of repair is $6k, Uber sent an email telling me to have to deal with my own personal insurance, My insurance denied my claim and told me to have to go after the person hit and run, I follow up with Dorchester police but they said because it was very dark, rain, they can not see clearly the other hit and run the car license plate, Police can not identify another driver through the traffic camera at KFC 595 Colombia road, I took the loss and sold my car cheap on Craiglist for $2k, Uber shut my off for awhile like whole summer, My insurance kicks me out.

 

[South Shore Driver]

I always have the car safely parked while waiting for a request. In the unlikely event another car hits me he is 100 percent at fault according to Massachusetts law

 

[bethswannns]

I wish all cars are equipped with cameras on four sides and videos are saved in the cloud server like Tesla. Using a cheap dashcam is the only alternative for now but it is still not as good as Tesla's cam.

Next gen car needs:
all 4 sides need camera. all footage will be uploaded and saved on the cloud server.
any impact will alert the central command center.
the insurance could obtain the footage from the cloud server to avoid he said she said situation.
All cars are linked. If you hit the other person's car, it will automatically know who did it.