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05-19-2022, 12:47 PM | #16 |
WhatUneed2Hear
Join Date: Feb 2002
Location: AllSoulsMatter
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Posts: 45,330
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05-19-2022, 12:47 PM | #17 |
Veteran
Join Date: Dec 2018
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Posts: 2,432
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05-19-2022, 12:50 PM | #18 |
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: 52,334
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05-19-2022, 01:02 PM | #19 | |
Veteran
Join Date: Dec 2018
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Quote:
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, 01:08 PM | #20 | |
Sauntering Vaguely Downwards
Join Date: Sep 2005
Location: Columbia, Mo
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Quote:
As my favorite professor was fond of saying “hey, I’d argue it for money…” He knowingly put an uninsured driver behind the wheel of his car and in so shopping exposed the public to a heightened and unreasonable amount of risk. Like I said, negligent entrustment claims aren’t the best - they’re pretty attenuated and proving knowledge can be tough. But knew ‘or should have known’ can do some heavy lifting for you there. And damn man, lower your deductibles. $2,500 is borderline uninsured. With a $500 deductible and adequate commercial riders, you just submit it to your carrier and let them deal with it. |
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Posts: 62,437
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05-19-2022, 01:16 PM | #21 | |
Veteran
Join Date: Dec 2018
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Quote:
My personal deductible is 250 and 100 of UM. This is Lyfy comm insurance coverage. I have no control over that. That is what Lyft's coverage is for us drivers in my state. |
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Posts: 2,432
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05-19-2022, 01:24 PM | #22 | |
Sauntering Vaguely Downwards
Join Date: Sep 2005
Location: Columbia, Mo
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Because I'm sure you could get a commercial endorsement on your personal policy, pay a little higher monthly premiums but have better deductibles. |
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Posts: 62,437
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05-19-2022, 01:25 PM | #23 |
Cheat Death
Join Date: Nov 2007
Location: Land of Drincoln
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What type of insurance would the driver of the vehicle need to cover this?
I'm sure its state by state but I was under the impression that insurance followed the vehicle not the driver. Personal liability coverage through a homeowners policy maybe? Generally curious and hope it works out for you. |
Posts: 35,076
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05-19-2022, 01:27 PM | #24 |
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, 01:28 PM | #25 | |
Veteran
Join Date: Dec 2018
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Quote:
This is how it works. Uber and Lyft only cover rideshare drivers during Periods 2 and 3 (collision and liability). Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car. But when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits. As a rideshare driver, you’re most at risk during Period 1, since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either Unless you have the rideshare endorsement which I have then I would only have to pay 100.00 for the UM and not my 250.00 But if you get into an accident with Lyft during periods 2 or 3, you’re covered – but you are subjected to Lyft’s $2,500 deductible. This means you have to pay $2,500 before Lyft insurance will kick in, depending on what type of additional auto insurance policy you have. https://therideshareguy.com/what-hap...ent-with-lyft/ The link below explains it, My insurance would kick in as a secondary insurance and would reimburse me 2,250.00 because my ded is only 250.0 or in this case of UM, I would get 2400.00 back from my insurance. |
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05-19-2022, 01:30 PM | #26 |
Changes pants while driving
Join Date: Nov 2001
Location: Washington D.C.
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Hire a hitman.
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Posts: 16,748
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05-19-2022, 01:33 PM | #27 |
Veteran
Join Date: Dec 2018
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Posts: 2,432
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05-19-2022, 01:36 PM | #28 | |
Cheat Death
Join Date: Nov 2007
Location: Land of Drincoln
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Quote:
Sorry, off on my own tangent learning something new. Best of luck. |
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Posts: 35,076
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05-19-2022, 01:38 PM | #29 | |
Sauntering Vaguely Downwards
Join Date: Sep 2005
Location: Columbia, Mo
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Quote:
Even if you get the judgment, he doesn't have to pay it. You've gotta figure out a way to get it paid. So then you have the headache of a garnishment action or some sort of hearing in aid of execution. Are you concerned about your rates if your policy kicks in as secondary? If so, talk to your agent/adjuster and ask if it would be considered a chargeable event. It really shouldn't be, but I'm not up to speed on the intricacies of ride-share stuff. |
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Posts: 62,437
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05-19-2022, 01:38 PM | #30 |
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. |
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