Lost In Translation
Active Member
I was in the Uber Staging Lot at San Francisco Airport. I was involved in a small fender bender with another driver. The guy was a total moron and got Uber involved, screwing us both in the process.
I am (or was) insured by Traveler's. He was insured by State Farm. I was online but neither en route or on a trip. He was parked (improperly see photos) and I was moving slowly pulling into a parking stall.
Traveler's notified me today they are denying coverage claiming I was online and therefore working and using my car as a livery service and driving for hire.
Uber's Insurance Company, James River, is also denying coverage since I was neither en route nor on a trip. Not sure they would pay in any case as Uber covers the passenger and liability for damage to third parties as a result of being either en route or on a trip, not simply being online.
So I am screwed.
AVOID TRAVELERS INSURANCE IF YOU DRIVE FOR UBER.
I am (or was) insured by Traveler's. He was insured by State Farm. I was online but neither en route or on a trip. He was parked (improperly see photos) and I was moving slowly pulling into a parking stall.
Traveler's notified me today they are denying coverage claiming I was online and therefore working and using my car as a livery service and driving for hire.
Uber's Insurance Company, James River, is also denying coverage since I was neither en route nor on a trip. Not sure they would pay in any case as Uber covers the passenger and liability for damage to third parties as a result of being either en route or on a trip, not simply being online.
So I am screwed.
AVOID TRAVELERS INSURANCE IF YOU DRIVE FOR UBER.