"Uber has got you covered".

Then why don't they say that? Why the strange wording like "there is a policy" instead of "our passengers are fully covered for...." ? why the need to deceive???

http://time.com/money/3626486/uber-i...ground-checks/

Using a different company to do background screenings isn't a "disregard for safety regulations." (quote is from your linked article)

I don't see the deception you describe. So don't use Uber. Carry on.

It is if that different company doesn't take fingerprints, Nancy Drew.

Uber and Lyft should be very forthcoming about what to expect insurance-wise if you take a ride in a car operated by one of their drivers and get into an accident. Admittedly with standard auto insurance, one expects delay, obfuscation, willful denial of legitimate claims, etc., but I'd still like a clear breakdown of whose insurance is responsible for the passenger.

Regular auto insurance policies will not cover accidents that occur if the car is used for commercial purposes. One has to state that when buying insurance and the rates will be signifcantly higher than for purely personal use.

That is one of the things that T&LC usually regulate.

This is seriously aggravating.

nyt, we all know that!! It has been stated many times that Uber drivers are covered by a commercial policy. Do you simply enjoy the sound of your fingers going clickety clack on the computer keyboard? Do you read any posts other than your own?

You know what, obxgirl is right. Scared of Uber? Don't use it. It will rise or fall without you.

hmmm...let's see.... On one side we have 7 Attorney Generals, on the other we have Obxgirl and Newbe. I think I'll go with the Attorney Generals on this one...Uber needs to straighten up and fly right. Snort.

"It has been stated many times that Uber drivers are covered by a commercial policy."

Umm. I don't have a dog in this race, but hasn't it also been stated "many times" that Uber drivers' insurance policies may NOT be effective or may not be in effect at any given time?

Saying that something has been stated many times really doesn't mean much. It's been stated many times that George W Bush was a great President. I rest my case.

I think I will go with whoever knows that the plural of Attorney General is Attorneys General. How 'bout that?

For those of you still interested in actual facts, I repost Tab's link from two days ago:
https://support.uber.com/hc/en-us/ar...s-an-accident-

Patrick, your stated (1) and stated (2) aren't mutually exclusive.

Uber Black = Drivers are commercially licensed/cars are commercially insured

Uber SUV = Drivers are commercially licensed/cars are commercially insured

Uber X = Drivers' personal insurance will almost certainly deny claims. <i> Uber's Liability will pick up and cover damages if the driver's policy rejects a claim. </i> <b>Except in New York where even Uber X drivers are commercially licensed and their vehicles registered with the Taxi and Limousine Commission.</b>

<I>Italics</i> from the Huffington Post piece I linked above.

<b> Bold</b> from Slate: http://www.slate.com/blogs/moneybox/...ing_order.html

I am going on my own experience with taxis and with Uber.

Uber has been FAR & AWAY the better experience, on every count: swift pick-up, professional and courteous drivers, cold water bottles in some cars, very nice vehicles, good prices, ease of use, instant e-mail response the one time I had a question. Drivers use GPS, so you must have a good street address for them to plug in.

Taxis, on the other hand, are the opposite story. Stinky cabs, surly drivers, tip expected, . . ..

We have never had any issue with a personal injury in a cab or in Uber. We are lucky to have great health insurance, and I believe the insurance companies would duke it out if there were bills to pay.

Our son was in a crash in a cab in L.A, on its way to LAX, on Lincoln Blvd. It was very minor, thank god. But it caused him to miss his flight, and have to pay for a hotel room that night that had a free airport shuttle. After several e-mails to the cab company, we were finally reimbursed for the hotel room and one meal.

Another cab side-swiped my son's car, at the Pepsi Center roundabout in Denver. Really did a job on the driver's side door and of our Honda. Again, thank god, DS wasn't hurt. Allstate took care of it, and I assume they made the cab company pay them back.

So, our cab experiences have not been good. We will use Uber whenever possible.

clark, snide comments reflect poorly on you, not me or anyone else you disagree with.

If Uber operates legally within a jurisdiction that doesn't require fingerprints as part of a background check then they are not disregarding safety regulations. If a jurisdiction requires fingerprints then Uber should comply or negotiate an agreeable alternative. As currently would be the case in San Francisco.

An Über driver is accused of raping a woman in New Delhi and the fear mongering is rampant.

A NYC taxi driver gets convicted of raping a woman in Brooklyn and no one is calling to take the cab industry apart b/c of it.

http://www.nydailynews.com/new-york/...icle-1.1777650

I don't know for certain but I'd speculate that taxi drivers are more often the victims of crime than the perpetrators of it.

I do have an unrelated (to this discussion of liability coverage) about Uber? The other day I clicked on the link, and it said something like "due to high demand at this time, the price could be up to 2x the normal rate. Do you accept this?" What does that mean - at what point in the process do I find out the actual cost, or estimate based on where I am and where I'm going?

<b>Do I impress you as the sort of guy who gives a crap if something I say reflects poorly on me? Especially when I say it to you? </b>?

You impress me as the sort who'd rather make snotty comments than engage in any kind of a dialogue, especially one where there are strong differences of opinion.

Duly noted that it is personal.

I certainly feel much empathy towards IMDonehere on this thread. They are giving VERY GOOD ADVICE to all of you on this subject and some of you are being dismissive without looking into these points thoroughly.

For example, on the UBER issue, you don't simply read a FAQ page on the Uber website and stop there. Did anyone click on that hyperlink to the blog and then continue on to actually look at the Certificates of Insurance? Make sure you pick the correct one for your specific needs, because there are several.

I note that coverage lapses in a few days. What do you do then?

Might be a good idea to check the financial stability (A.M. Best Co.) of whatever company that is offering the coverage for UBER. Remember, resolution of some of these accidents can go on for years or decades.

Also please keep in mind that you are speaking of liability policies. Only a handful of states have adopted (modified) no-fault laws. Those policies may not even become involved if their driver wasn't at fault or only partially, if there is contributory/comparative negligence.

Remember you are the one out on the limb if the omnibus policy lapses without renewal/replacement - and the driver doesn't have proper coverage in force - or if any of these carriers become insolvent.

With respect to the other issue (AirBnB, etc.), even if the individual carries a personal homeowners policy, it doesn't mean that there will be coverage. The policy might specifically exclude this operation.

And for those who think that their homeowners policy will cover this type of situation under ALL circumstances, I'd be making a very quick call to my insurance agent and explaining THOROUGHLY my *exact* operations. You may need to purchase a different type of coverage.

Thank you Exiled.

You have to know the nastiest ones here, would complain the loudest and act like the unknowing agrieved party if something happened to them using UBER or AirBnB.

Here is an interesting UBER story from Sydney today:

UBER jacked up their prices during the hostage situation today in Sydney to take advantage of the situation.


http://www.washingtonpost.com/news/m...ostage-crisis/

And yet you, IMD, are the one who started lobbing personal insults. Noted.

"For Christ's sake, do you ever actually read anything that's been said before you post?"

"You impress me as the sort who'd rather make snotty comments than engage in any kind of a dialogue, especially one where there are strong differences of opinion."

Pot. Kettle. Snort.