Are uber and lyft breaking the law by not making sure all drivers have Rideshare insurance?

UberIsAllFubared

Well-Known Member
I don't know how many insurance companies now offer Rideshare Insurance, but when I signed up there were only three. I have it, and it is the law. You know, FULL DISCLOSURE to your insurance company. It wouldn't be too hard for uber to make drivers prove they have the right insurance, yet they don't... because they know damn well they would lose a certain percentage of drivers. Why should an ant who is breaking the law have a competitive advantage over drivers who have the right insurance (yes, them being able to do the job at a cheaper price givese them a competitive advantage), and uber/lyft seems to be encouraging this.

BTY, a comment Carbunkle made in a thread gave me the idea for this post.

Btw ants, if you don't have the right insurance, and you get in an accident, there is a high probability your insurance will drop you and you will never get insurance again. Its called full disclosure. You have to disclose to your insurance company you are an uber/lyft driver, because if you are doing this full time, you are probably driving 5-10 TIMES more miles a year than average... which increases risk and exposure of the insurance company.
 

LoveBC

Well-Known Member
It is the obligation of the so called independent driver to be properly insured.

Uber is fulfilling its obligations with its James River crap. CPUC should’ve never allowed TNCs to exist without requiring drivers carry real commercial insurance.

If that were to change it would extinguish a majority of ants right away.
 

Tank_Driver

Well-Known Member
I don't know how many insurance companies now offer Rideshare Insurance, but when I signed up there were only three. I have it, and it is the law. You know, FULL DISCLOSURE to your insurance company. It wouldn't be too hard for uber to make drivers prove they have the right insurance, yet they don't... because they know damn well they would lose a certain percentage of drivers. Why should an ant who is breaking the law have a competitive advantage over drivers who have the right insurance (yes, them being able to do the job at a cheaper price givese them a competitive advantage), and uber/lyft seems to be encouraging this.

BTY, a comment Carbunkle made in a thread gave me the idea for this post.

Btw ants, if you don't have the right insurance, and you get in an accident, there is a high probability your insurance will drop you and you will never get insurance again. Its called full disclosure. You have to disclose to your insurance company you are an uber/lyft driver, because if you are doing this full time, you are probably driving 5-10 TIMES more miles a year than average... which increases risk and exposure of the insurance company.
Did you get your money?
 

UberIsAllFubared

Well-Known Member
It is the obligation of the so called independent driver to be properly insured.

Uber is fulfilling its obligations with its James River crap. CPUC should’ve never allowed TNCs to exist without requiring drivers carry real commercial insurance.

If that were to change it would extinguish a majority of ants right away.


I get that it is the obligation of the driver to be properly insured. Agree 100%. But I have to take a picture of my insurance card and submit it to uber and lyft... if its from a company that DOES NOT offer rideshare insurance, which most don't, it shouldn't be accepted. Uber/lyft know instantly in those cases that the driver does not have the proper insurance that they are suppose to have by law, which was passed a few years ago by the state of California. I think a pretty good argument could be made that uber/lyft is not doing their due diligence, especially in the case of drivers submitting insurance from companies that do not offer Rideshare insurance.
 

Tank_Driver

Well-Known Member
I get that it is the obligation of the driver to be properly insured. Agree 100%. But I have to take a picture of my insurance card and submit it to uber and lyft... if its from a company that DOES NOT offer rideshare insurance, which most don't, it shouldn't be accepted. Uber/lyft know instantly in those cases that the driver does not have the proper insurance that they are suppose to have by law, which was passed a few years ago by the state of California. I think a pretty good argument could be made that uber/lyft is not doing their due diligence, especially in the case of drivers submitting insurance from companies that do not offer Rideshare insurance.
This is one is on you as an IC.
 

Korean Ant

Well-Known Member
I have State Farm and I believe they do have a rideshare insurance but I never bothered getting it.
I know its only like 15$ a month. I do recommend all the drivers to get 1 tho.

If u get into an accident n its ur fault while on a trip ur fd...i did have 1 accident inside the pen where a lost non uber driving lady backed up hard n fd up my car. Since the accident happened inside an Uber lot, my insurance did ask me few times if I was driving for Uber, but i told them no n it seemed if it was my fault there would of been some problems.
 

Tank_Driver

Well-Known Member
Random drug testing to be paid as a tax or annual regulatory fee by Uber/Lyft yearly, even if it is 1 driver out of 1,000 a week as part of CPUC regulations. Half the labor pool would be gone tomorrow.
 

Korean Ant

Well-Known Member
Random drug testing to be paid as a tax or annual regulatory fee by Uber/Lyft yearly, even if it is 1 driver out of 1,000 a week as part of CPUC regulations. Half the labor pool would be gone tomorrow.

Your not supposed to drive under medication but what if im medicated n smoke when im not working. Its a big lawsuit waiting to happen for discrimating against sick people who need to be medicated like myself.
 

Tank_Driver

Well-Known Member
Your not supposed to drive under medication but what if im medicated n smoke when im not working. Its a big lawsuit waiting to happen for discrimating against sick people who need to be medicated like myself.
It’ll be just like it is today, the labs all employ M.D.s at their central office as part of the testing process, and if you test positive they call you to see if you have a valid medical exemption before they release the results to the company. If you do, you have nothing to worry about. This would be a simple U/A panel too, you would only have to worry if you were doing illicit drugs.
 

Korean Ant

Well-Known Member
It’ll be just like it is today, the labs all employ M.D.s at their central office as part of the testing process, and if you test positive they call you to see if you have a valid medical exemption before they release the results to the company. If you do, you have nothing to worry about. This would be a simple U/A panel too, you would only have to worry if you were doing illicit drugs.

MJ is legal ??☘??
Screenshot_20190412-011631_Samsung Internet.jpg

Screenshot_20190412-011618_Samsung Internet.jpg

Thats NY. Its coming here n everywhere sooner or later.
 

MOJAVE MADMAN

Well-Known Member
I don't know how many insurance companies now offer Rideshare Insurance, but when I signed up there were only three. I have it, and it is the law. You know, FULL DISCLOSURE to your insurance company. It wouldn't be too hard for uber to make drivers prove they have the right insurance, yet they don't... because they know damn well they would lose a certain percentage of drivers. Why should an ant who is breaking the law have a competitive advantage over drivers who have the right insurance (yes, them being able to do the job at a cheaper price givese them a competitive advantage), and uber/lyft seems to be encouraging this.

BTY, a comment Carbunkle made in a thread gave me the idea for this post.

Btw ants, if you don't have the right insurance, and you get in an accident, there is a high probability your insurance will drop you and you will never get insurance again. Its called full disclosure. You have to disclose to your insurance company you are an uber/lyft driver, because if you are doing this full time, you are probably driving 5-10 TIMES more miles a year than average... which increases risk and exposure of the insurance company.

It has nothing to Uber or Lyft if you have little or no insurance when a pax is not in your car or your on the way to pick up

I have only liability for less than 50 per month because I have no significant assets

If I rear end a Lamborghini Ill just file bankruptcy
 
Your and IC. Uber doesn’t clean your house, they don’t wipe your butt and they don’t run your business. Need to move forward “ take some personal responsibility for your life” TK
 
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U phoria

Well-Known Member
I don't know how many insurance companies now offer Rideshare Insurance, but when I signed up there were only three. I have it, and it is the law. You know, FULL DISCLOSURE to your insurance company. It wouldn't be too hard for uber to make drivers prove they have the right insurance, yet they don't... because they know damn well they would lose a certain percentage of drivers. Why should an ant who is breaking the law have a competitive advantage over drivers who have the right insurance (yes, them being able to do the job at a cheaper price givese them a competitive advantage), and uber/lyft seems to be encouraging this.

BTY, a comment Carbunkle made in a thread gave me the idea for this post.

Btw ants, if you don't have the right insurance, and you get in an accident, there is a high probability your insurance will drop you and you will never get insurance again. Its called full disclosure. You have to disclose to your insurance company you are an uber/lyft driver, because if you are doing this full time, you are probably driving 5-10 TIMES more miles a year than average... which increases risk and exposure of the insurance company.
Yep they don’t tell drivers they should have rideshare insurance or the consequences of not having it.

Once an ant finds out the hard way it’s too late and they just sign on another.. rinse and repeat
 

Carbuncle

Well-Known Member
I don't know how many insurance companies now offer Rideshare Insurance, but when I signed up there were only three. I have it, and it is the law. You know, FULL DISCLOSURE to your insurance company. It wouldn't be too hard for uber to make drivers prove they have the right insurance, yet they don't... because they know damn well they would lose a certain percentage of drivers. Why should an ant who is breaking the law have a competitive advantage over drivers who have the right insurance (yes, them being able to do the job at a cheaper price givese them a competitive advantage), and uber/lyft seems to be encouraging this.

BTY, a comment Carbunkle made in a thread gave me the idea for this post.

Btw ants, if you don't have the right insurance, and you get in an accident, there is a high probability your insurance will drop you and you will never get insurance again. Its called full disclosure. You have to disclose to your insurance company you are an uber/lyft driver, because if you are doing this full time, you are probably driving 5-10 TIMES more miles a year than average... which increases risk and exposure of the insurance company.

What laws have Uber and Lyft ever followed?

Our entire contract is bogus.

Thanks for the nod, btw??
 

Alsace Struggle

Well-Known Member
It is the obligation of the so called independent driver to be properly insured.

Uber is fulfilling its obligations with its James River crap. CPUC should’ve never allowed TNCs to exist without requiring drivers carry real commercial insurance.

If that were to change it would extinguish a majority of ants right away.
Regulation takes all the fun out of illegal cabbies.?

What happened to the good old days when Uber drivers could make 1,000 dollars from two or three days of work, yet could get ticketed and towed and arrested for taking rides to LAX. Made you feel like a real bandit. It is like Las Vegas becoming legitimized. Went from classy casinos with free rooms, food, and hookers to theme park style "family casinos", overpriced food and hookers, and expensive rooms.
 

SCdave

Well-Known Member
While possibly not "breaking any law", yes, Uber/Lyft should be required by the CPUC (California) to require all Drivers to be covered with TNC/Rideshare Auto Insurance added to their Auto Policy.

And @Korean Ant, add TNC/Rideshare to your State Farm Policy like yesterday.
 
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