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Lonnie E. Shipe, M.A.
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“Accidents are not accidents but precise arrivals at the wrong right time.” Dejan Stojanovic

Published on 12/2/2018
For additional information  Click Here

When the driver has the app on and is waiting for a customer to request a ride, he is covered for up to $50,000 in liability damage. From the time a customer requests a ride and until he reaches his destination, the policy increases to $1,000,000 and that also extends to you as a passenger.

James River Insurance is the carrier for Uber. The reason Uber provided its drivers with this policy is because personal auto insurance coverage will not honor claims that occurred during commercial or paid driving.

Initially, Uber claimed that its drivers were independent contractors and the company wasn’t responsible for any of their actions. This changed after the introduction of a law in the wake of an accident involving a 6-year-old girl.

What makes Uber dangerous for passengers?

It’s the potential for distraction.

The Uber app can only work on a smartphone. This means that a driver must routinely take his eyes off the road and his hand off the wheel to use the app. He needs to do this every time he has to accept customers, reroute a location, change settings or call a rider.

There is also a chance that an Uber driver will not report the accident to the company. This can confuse passengers, particularly when they expect to receive a certain compensation only to find out that there’s no record of the accident.

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