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05-19-2022, 12:24 PM | #2 | |
The man you could post like.
Join Date: Oct 2010
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05-19-2022, 12:31 PM | #3 |
Veteran
Join Date: Dec 2018
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Posts: 2,432
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05-19-2022, 12:23 PM | #4 |
Cheat Death
Join Date: Nov 2007
Location: Land of Drincoln
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Once you start using your vehicle to make money, you're a business, so your basic personal auto policy won't provide coverage during those windows of time.
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Posts: 35,092
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05-19-2022, 12:34 PM | #5 |
Veteran
Join Date: Dec 2018
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Make this clear, I was not a fault and I have informed my insurance that I do this and have the rideshare endorsement on my policy on all 4 of my cars.
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Posts: 2,432
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05-19-2022, 12:42 PM | #6 | |
To the Game
Join Date: Oct 2003
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"I am going to take the driver to court..." Huh?? |
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Posts: 2,124
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1 0 |
05-19-2022, 12:44 PM | #7 |
Veteran
Join Date: Dec 2018
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Posts: 2,432
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05-19-2022, 12:47 PM | #8 |
WhatUneed2Hear
Join Date: Feb 2002
Location: AllSoulsMatter
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Posts: 45,354
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05-19-2022, 12:50 PM | #9 |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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I guess I'm confused why Lyft's policy wouldn't apply. They specifically call out uninsured motorist coverage in their online docs:
https://help.lyft.com/hc/e/all/artic...rty%20coverage |
Posts: 52,338
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05-19-2022, 01:02 PM | #10 | |
Veteran
Join Date: Dec 2018
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So again may I go after the car owner and driver to get the money I paid plus lost wages? or just the driver? |
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Posts: 2,432
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05-19-2022, 01:27 PM | #11 |
Sauntering Vaguely Downwards
Join Date: Sep 2005
Location: Columbia, Mo
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Additionally, it still kinda seems like you may want to submit it through lyft, deal with having to pay your deductible and then see what you can due to pursue the deductible itself. Most carriers will pursue subrogation for something like that on your behalf and save you that headache but if what they're out of pocket is pretty deminimis they may not bother (unless your policy mandates that they do so).
Having an amount that's been 'liquidated' is just easier. If you can demonstrate 'look, I'm out exactly the $2,500 for my deductible' that's going to be easier than proving up your lost wages, diminution in value, etc... as those amounts can be pretty speculative. |
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05-19-2022, 01:30 PM | #12 |
Changes pants while driving
Join Date: Nov 2001
Location: Washington D.C.
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Hire a hitman.
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Posts: 16,750
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05-19-2022, 01:33 PM | #13 |
Veteran
Join Date: Dec 2018
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Posts: 2,432
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05-19-2022, 01:38 PM | #14 |
Politically Incorrect
Join Date: Feb 2009
Location: Scottsdale, AZ
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Why would your insurance policy NOT pay for getting hit by an uninsured motorist?
Whether you were hauling lumber or driving a passenger, that does NOT alleviate the guilt of the 3rd party who hit you. If your insurance company then drops you or jacks up your premium later, that is a separate issue. |
Posts: 52,112
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05-19-2022, 01:42 PM | #15 | |
Sauntering Vaguely Downwards
Join Date: Sep 2005
Location: Columbia, Mo
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For instance, if I took on Mr. Reroka's case here and ****ed it all up, it may be the same kind of case I've done under my policy 100 different times, but I'm not operating within the course of my duties for my law firm and as such, if Reroka's sues me, my malpractice carrier won't stand in because I was out there freelancing and have policy exclusions that specifically prohibit it. And let me tell you how much I enjoy those exclusions every time I have a family member or friend (or family member's friend) say "Hey, you're a lawyer - can you...."? |
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