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Rideshare Insurance in Massachusetts

Discussion in 'Insurance' started by Donghu, Jun 14, 2016.

  1. Donghu

    Donghu New Member

    Location:
    Boston
    Brand new to Uber, have not yet even driven. Haven't found a single company in Massachusetts that offers non-commercial rideshare insurance. Have spoken to many agencies and insurers, all say no. USAA supposedly offers "gap" insurance, but I'm not eligible for their coverage, and a few people say that although officially they can provide it, in actuality they do not.

    So, what do the 45000 Uber drivers in MA do?
     
    lmitch54 likes this.
  2. Andrew Hammond

    Andrew Hammond New Member

    Location:
    Boston
    Driving:
    UberX
    Did you find a solution to this? I'm currently in the same boat, looking for answers.
     
  3. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    I am also in this situation
     
  4. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    Sounds like we need to get commercial insurance
     
  5. Andrew Hammond

    Andrew Hammond New Member

    Location:
    Boston
    Driving:
    UberX
    So Liberty mutual works. I had to cancel Geico and Liberty said they fully support us anytime the app isn't on. When the app is on, Uber will take over (James River). Commercial insurance not needed. My rates didn't go up or anything. Hope this helps.
     
    AuxCordBoston likes this.

  6. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    What about the gap when the app is on, but you have not accepted a ping? Uber doesn't cover period 1, right?
     
  7. Andrew Hammond

    Andrew Hammond New Member

    Location:
    Boston
    Driving:
    UberX
    I was told that Uber will provide coverage during period 1 as well.
     
  8. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    There may have been an update since this list was posted, but it shows MA as one of the states with a "gap," meaning in period one (app on-but no ride accepted) neither your personal nor Uber's insurance is covering you. CA passed a law requiring TNCs to provide liability insurance during period one, but even with that, you and your car are not covered for injuries or physical damage. If you don't have a rideshare rider or policy, you are taking a significant risk.
    Here's a link to a list by state and insurance companies:
    http://uberpeople.net/threads/uber-and-lyft-car-insurance.60340/

    Edit: okay, found the certificate of insurance for MA, and Uber does provide liability coverage in lesser amounts for period one, as they do in CA.
    Look near the bottom of page two of the specific certificate for MA.
    https://newsroom.uber.com/certificates-of-insurance-u-s-ridesharing/
     
    Last edited: Dec 12, 2016
    AuxCordBoston likes this.
  9. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    Just called liberty mutual. I signed up with them and canceled current insurance provider. Liberty will not cover you in stage 1, but they will not drop you either.

    So if your uber app is on, but you have not been matched, and you get into an accident, neither uber or liberty will cover you.

    USAA has rideshare gap insurance but I don't qualify for USAA.

    State Farm is not opening new policies in Mass.
     
  10. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    Uber covers you for liability in period one, but not for a million dollars, ($50/100/30K) and nothing for your injuries or damage to your car.
     
  11. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    Where did it say that?
     
  12. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    In my post number 8:

    Read the fine print explaining what is covered in period one, under "Description of Operations... "
     
  13. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    A number of states (maybe all?) have minimum requirements for liability coverage which TNCs must make available if not covered by the drivers' rideshare policy or rider.
    What doesn't make sense to me is why the limits are so low. How does being enroute to a pax or having one on board change the value of the life/health of a possible victim of an accident caused by a TNC driver? :confused::eek:
    So if I read it correctly, an Uber driver kills a pedestrian while cruising and waiting for a ping, that victim's family can collect only $50K. But a similar accident with a different driver happens a block away but with a pax on board, suddenly there's a million dollars in coverage?
     
  14. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    I don't think that is the insurance co for MA. Uber uses James river.
     
  15. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    Yep. Look at page one, upper right for the heading, "Insurer(s) Affording Coverage."
    Don't you have to carry a copy of the insurance certificate with you when you are engaged in ridesharing? I don't drive for Uber, so that is why I keep referring to the article in the link.
     
  16. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    Here is uber's MA coverage. And yes, there is limited coverage by uber in phase 1:

    From the time you log into the Uber partner app until you accept a trip in Massachusetts we maintain a policy that provides 3rd party liability coverage in the amounts of $50k/$100k/$25k. This policy is contingent to your personal policy, meaning it will apply only if your personal auto insurance does not apply In the state of Massachusetts, we also maintain Uninsured Motorist coverage in amounts of $35k/$80k and Personal Injury Protection coverage in the amount of $8k.

    From the time you accept a trip until its completion and the rider(s) exits the vehicle, in Massachusetts we maintain the following coverage:

    • $1M of 3rd party liability;
    • $1M of uninsured/underinsured motorist injury; and
    • contingent comprehensive and collision insurance - so, if you maintain comprehensive and collision insurance on your own personal policy, our policy will cover physical damage to that vehicle up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible

    In the state of Massachusetts, we also maintain Personal Injury Protection coverage in the amount of $8k
     
  17. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    Good info. The certificate Uber posted for Massachusetts in the link I listed doesn't show the UM and PIP coverage. Of course, $8k may be a drop in the bucket if you're injured, but it's a start.
     
  18. BurgerTiime

    BurgerTiime Well-Known Member

    Location:
    Minneapolis
    Driving:
    UberX
    You take on all the risk. One accident and you're screwed. Don't listen to what anyone says. It's your life. Make it a smart one.
     
  19. lmitch54

    lmitch54 New Member

    Location:
    Boston
    How does your insurance company know you are driving with Uber,
    If you get in an accident??
     

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