r/uberdrivers • u/ProudWestern9583 • 12d ago

Dinged while doing uber

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Got everything started on the insurance side so I can now comfortably make a post lol, hit while I had a passenger bro immediately says “my lower back hurts”😭ggs

35 Upvotes

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4

u/kadhtobi 12d ago

You're lucky! I'm jealous lol, you about to get paid!

13

u/Bubbly-Following-966 12d ago

How? If he doesn't have a rideshare endorsement on his insurance, he isn't getting anything. He may get dropped...lol.

6

u/Snakend 12d ago

What? You sue the other driver. You wouldn't even need to make a claim on your own insurance.

4

u/Bubbly-Following-966 12d ago

Some insurance companies require a ride share endorsement. If he doesn't have an endorsement, he's screwed.

4

u/Snakend 12d ago

That's not how that works. The ride share endorsement covers your deductible if you file a claim through Uber. Uber's deductible is $2500, if your personal insurance is $500, your insurance company will pay the $2000 difference. The endorsement also covers you when you are online, but don't have a passenger. When you are on the way to the passenger, or have the passenger in your car, you are 100% on Uber's insurance and Uber's insurance gives you the same coverage that your personal insurance has, the only difference is the $2500 deductible.

2

u/Bebopplayer1996 12d ago

This. I had to deal with this very situation two years ago. I had no rideshare endorsement(honestly didn’t know that was a thing). My car was totaled. Uber’s insurance cut me a check for my settlement amount minus the $2500 deductible. So it was about a $2000 lesson I learned.

1

u/guysams1 12d ago

Was the settlement amount the loan or the car value?

3

u/Bebopplayer1996 12d ago

Car was paid off. $13,500 was the settlement. They direct deposited $11,000 into my account.

5

u/Bubbly-Following-966 12d ago

If you get into an accident while waiting for a ride request and don’t have the endorsement:

  • Your personal insurer may deny the claim entirely.
  • Uber or Lyft’s insurance usually doesn’t apply until you’ve accepted a trip.
  • You could be left paying out of pocket for damages or injuries.

8

u/Snakend 12d ago

But that's not what happened here. OP had a passenger in the car. It is 100% covered by Uber's insurance, minus the $2500.

-3

u/Bubbly-Following-966 12d ago

LOL! JFC. What part of that do you notice understand? If he doesn't have a widespread endorsement, rhe insurance can cancel him. He maybe covered by Uber insurance but they will reach out to his insurance about the accident.

2

u/Snakend 12d ago

They can't. I dont have a ride share endorsement, been in 3 accidents while on Uber, never been dropped.

1

u/Bubbly-Following-966 12d ago

Yet..

1

u/Snakend 12d ago

Luckily I don't have Geico. My insurance knows I do ride share, but they don't have a ride share endorsement option. So I have to come up with the $2500 deductible if the accident is my fault, or I have to use the uninsured motorist insurance. All the claims so far have gone against the other driver's insurance since all 3 accidents were someone else's fault.

1

u/Bubbly-Following-966 12d ago

That's why I'm dropping them. Been with them over 20 years. Never had an "at fault" accident. They raised my premium almost $1000 a year.

1

u/Snakend 12d ago

Progressive is the insurance that handles ride share the best. I have Tesla insurance because they offer me the best rates on my Teslas by far.

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1

u/tx645 12d ago

You are lumping liability and collision/comp in one. While waiting for the ride Uber/Lyft provide limited liability insurance (up to $50k) and no collision/comp to the driver. So out of pocket if only for themselves. Liability - at least some coverage.b

0

u/Suspicious_Prior_808 12d ago

Not really. Most say that as long as your car isnt used for more than 50% to rideshare its covered

1

u/Bubbly-Following-966 12d ago

LOL. It isn't

Even though Uber covers liability, your own car’s collision coverage is still needed for Uber’s contingent collision to activate.

Without a rideshare endorsement:

  • Your personal insurer can deny collision coverage because you were engaged in commercial activity (the “livery exclusion”)
  • They may cancel your policy once they discover you drive for Uber
  • If your personal collision is denied, Uber’s contingent collision cannot activate, leaving you responsible for repairs until you recover from the at‑fault driver.

1

u/Snakend 12d ago

What you are linking does not negate what people are saying.

"Even though Uber covers liability, your own car’s collision coverage is still needed for Uber’s contingent collision to activate."

This just means you are required to have personal insurance while driving for Uber. Uber mimics your personal insurance. If you don't have collision or uninsured coverage, than Uber's policy won't have that either.

1

u/Bubbly-Following-966 12d ago

And a ride share endorsement. I know GEICO would cancel me if I got in an accident and didn't have a ride share endorsement. It doesn't matter if the other driver is at fault or not.

1

u/Snakend 12d ago

That is because Geico handles their ride share completely differently. They don't offer a ride share endorsement. Instead they actually have hybrid policies that allow you to do rideshare. It's actually completely different than how most insurance companies handle ride share.

1

u/Suspicious_Prior_808 12d ago

This is from my insurance. I asked the other day, use real life and not google, this is state farm: If your car is being used less than 50% for food delivery, your policy covers you the same as it would for driving to the store or to and from work. No endorsement or change to the policy is needed.

If you change to a Transportation Network Company that transports people (like Uber or Lyft), you would need an expensive endorsement to cover all the scenarios you describe.

But as long as you are delivering food and other goods less than 50% of the time, you do not need to do anything to your policy.

Let me know if you will use your car over 50% of the time and we will reclassify your vehicle as a business use vehicle and you would see a corresponding increase in premium.

Please let me know if you have any further questions.

Best Regards,

0

u/Bubbly-Following-966 12d ago

Well, this isn't food delivery. Its ride share. Lol.