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Does your insurance company know you Uber?? What if......

Discussion in 'Insurance' started by Kaz, Oct 20, 2014.

  1. RobertDavid

    RobertDavid New Member

    I just started driving last week and I'm usually pretty good at doing some background work. Well my background work was a week off and I'm just realizing now what a risk I'm taking by not knowing about the Insurance needed to do this correctly. I just assumed, probably like most new drivers, that since Uber requested a copy of my insurance that was all I needed to do this job. I didn't know.
    I'm not like a lot of these guys that have the attitude "how is your insurance gonna know" or "don't say anything"..........I've worked too hard in my life to have all that put in jeopardy. How they will know is when you get in an accident and are being sued and that's just not worth that risk to me. To be legal it would cost me way more than I ever planned to make. Thank You gentlemen for explaining things better than Uber ever did...........Bob
     
    SEAL Team 5 and Older Chauffeur like this.
  2. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    ^^^ wise move ;)
     
  3. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    You are driving with the uber app turned on. A car slams into you. You are knocked unconscious. The police and EMT's arrive. The police see that your app is on. The police enter into their report that you were hit by a vehicle while driving for uber. Your insurance co reads the report. Your insurance co drops you.
     
  4. I_Like_Spam

    I_Like_Spam Well-Known Member

    Location:
    Pittsburgh

    The insurance company isn't the only outfit that Uber drivers need to worry about "finding out". If they are carrying a note on the vehicle, the financial institution can call in the note and charge you for insurance to protect them for their collateral being used for Uber. Car notes specify that the vehicle is being used for personal use- not as a livery vehicle- this use increases the risk to GMAC or whomever as it affects the value of their collateral.
     
    SEAL Team 5 likes this.
  5. louvit

    louvit Active Member

    Location:
    Brandon Fl
    Driving:
    UberX
    I am really worried about this I actually called Geico and they replied this

    this is the reply I received from Geico after I asked them about rideshare insurance. This make me nervous!!!!!!! Am I really fully covered by UBER when online with them?

    We have received your inquiry about your coverage and will be glad to address your concerns.

    Your GEICO personal auto policy excludes coverage when you drive your vehicle for ridesharing or any other service where you transport people or products for a fee.
    Be sure to check with your ridesharing company, as they may be able to help you find insurance on your vehicle.
    Thank you for the opportunity to assist you today and for using our online services.


    then I asked

    What is I am going home from a rideshare and am not online with the rideshare company. Are you saying that Geico will exclude me only when I am online with rideshare.

    Here was the answer....

    Dear LV:
    We have received your reply and will be happy to advise you.

    Regrettably, we are unable to answer that question at this time. If something were to happen in a scenario like you proposed, it would be reviewed by our claims department to see if coverage would or would not apply. We apologize for any frustration this may cause.
    Again, we would recommend contacting the ridesharing company for insurance.
    Thank you for the opportunity to assist you today and for using our online services.



    Sincerely,




    Once again does UBER cover us and if I am offline does Geico still cover me? Does anyone have a clear understanding of are we insured??? on or off app
     

  6. AuxCordBoston

    AuxCordBoston Well-Known Member

    Location:
    Boston
    What state are you in?
     
  7. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    He's in Florida.
     
  8. louvit

    louvit Active Member

    Location:
    Brandon Fl
    Driving:
    UberX
    Any more help here? I may just quit due to this and being on social security this small amount on money helps out a lot. But I will not risk everything on this insurance shi!!
     
  9. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    You could try posting in the FL forum if you haven't already. People familiar with your state might have some ideas.
     
    louvit likes this.
  10. louvit

    louvit Active Member

    Location:
    Brandon Fl
    Driving:
    UberX
    Thanks Older I didn't know there were such sections here, I just joined last week or so
     
  11. Older Chauffeur

    Older Chauffeur Well-Known Member

    Location:
    Simi Valley Ca
    Scroll down on the main Forums page to find the listing of cities. They aren't entirely alphabetically listed, so check for FL cities.
     
  12. Creekman

    Creekman New Member

    Location:
    Cincinnati
     
  13. Creekman

    Creekman New Member

    Location:
    Cincinnati
    Your Vin is in the system. Insurance can check to see if your auto is registered on uber. If it is a major accident I guess they can check phone records to see if you were online with uber at the time of the accident. If this happens during period one, no liability or collision. Huge risk with low pay. Call me paranoid but this is where I am
     
  14. mountainchick04

    mountainchick04 New Member

    Location:
    Cleveland, OH
    Here is a fun story. I was out working a few weeks ago and was on my way to pick up a PAX when I was involved in a hit and run. Other driver ran a red light and I ran into the side of them. Driver took off. I called the cops and they came and wrote a police report. They asked what I was doing and I said I was going to meet someone. That was it, no mention of ride-share what so ever. Progressive contacted Uber and found out that I was online during the time of the accident. They will not pay my claim. I now have a car that I cannot drive, that I owe 12K on, all so I could make $10 an hour. This just happened so I'm looking into my options. I doubt Uber would even begin to think about covering since I didn't actually have the PAX in the car. It's a bad situation all around. I would recommend getting the insurance. It's really not worth the risk.
     
    I_Like_Spam likes this.
  15. I_Like_Spam

    I_Like_Spam Well-Known Member

    Location:
    Pittsburgh
    Since you have a note on the car, the note probably says that you bought the car for personal reason, not as a commercial livery vehicle. The insurance company may call in your note immediately. It certainly could be within their rights.
     
  16. steveK2016

    steveK2016 Well-Known Member

    Location:
    Dallas / Fort Worth Texas
    Driving:
    UberSELECT
    Ouch, this sucks that this happened. For those that feel the risk is worth it, here's your example as to why it is not. No mention of Uber in police report but Progressive proactively looked into whether or not the driver had an account with Uber and whether they were online at the time.

    While mountainchick04mountainchick04 learned the hard way, hopefully other drivers learn the easy way by reading these posts and getting the proper insurance.
     
  17. Kaz

    Kaz Active Member

    Location:
    Phoenix, AZ
    Driving:
    UberX
    If you were online, there is a chance Uber will cover you, contact Uber. And I am suprised Progressive has not dropped you, they are not fans of rideshare at all. How did Progressive find out you drive for Uber? I have never heard of an insurance co contacting Uber just to see if youre an active driver... if they suspect you are or the officer mentioned an Uber placard on your window, I dont see why Progressive would contact Uber. I have a rideshare coverage with USAA- awesome and its cheap if you qualify for USAA. What is the approx damage amount, have you gotten an estimate? Again, contact Uber's claim dept and tell them you were online. Post an update please.



    QUOTE="mountainchick04, post: 2627543, member: 98774"]Here is a fun story. I was out working a few weeks ago and was on my way to pick up a PAX when I was involved in a hit and run. Other driver ran a red light and I ran into the side of them. Driver took off. I called the cops and they came and wrote a police report. They asked what I was doing and I said I was going to meet someone. That was it, no mention of ride-share what so ever. Progressive contacted Uber and found out that I was online during the time of the accident. They will not pay my claim. I now have a car that I cannot drive, that I owe 12K on, all so I could make $10 an hour. This just happened so I'm looking into my options. I doubt Uber would even begin to think about covering since I didn't actually have the PAX in the car. It's a bad situation all around. I would recommend getting the insurance. It's really not worth the risk.[/QUOTE]
     
  18. mountainchick04

    mountainchick04 New Member

    Location:
    Cleveland, OH
    I don't know if they are now proactively checking or what but I did my best to hide it. There's no mention of the Uber sticker in the police report and I peeled the Uber and Lyft stickers out of my car before the insurance adjuster showed up. It doesn't surprise me. Insurance companies will do anything to get out of paying. And no, I haven't been dropped, but I wouldn't be surprised if I was when it comes time to renew my policy.
     
  19. louvit

    louvit Active Member

    Location:
    Brandon Fl
    Driving:
    UberX
    This is what I worry about daily! If Geico doesn't start coverage soon I will switch to state farm they started tnc coverage 2 weeks ago. As of right now I am only driving until June 30th, I am on SS disability and I really need this money.
     
  20. I_Like_Spam

    I_Like_Spam Well-Known Member

    Location:
    Pittsburgh
    I would expect that the adjuster would go the extra yard, if it was a large claim. Insurance companies do want to avoid paying large claims they aren't liable for.
     

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