Adventures in an Uber!

Adventures in an Uber!
By Amy Haldorson
This day in age, ride sourcing has become the norm. Its rare to find a larger city that does not have Uber or Lyft. These ways of travel are convenient, most times inexpensive and also an excellent source of income.
Having used this form of transportation many times, I thought I was familiar with everything when it came to the process. Recently, I found myself in an uncomfortable Uber situation to say the least. I was in a large city a few weeks ago needing a ride. Everything went smoothly like always, until the driver pulled up to my destination. I quickly flung open my door and at that exact time another car came flying by crashing into my open door. I heard the sound of crunching and was almost too scared to look. The door hadn't completely come off, so I very carefully reached out and shut the door as best I could. I looked up at the Uber driver who was staring wide eyed at me. I'm pretty sure I had the same look on my face. I said, thank you for the ride sir, handed him a ten and got out of the car as fast as I could. I looked around for the other vehicle which was long gone, not stopping to survey the damage. I was at a loss when it came to knowing what to do in this situation. I felt bad for him, as I looked back seeing him looking at his vehicle and cringing. Somehow I don’t think the 5 star rating I gave him was going to be of any comfort.
My mind immediately went to insurance. Who was liable for the damage? Uber requires all of their drivers to have car insurance and provide supplemental insurance coverage, but only while the app is on. When the Uber app is off, a driver is covered by their own personal car insurance. In this situation, the Uber’s app will still on and so Uber’s insurance still covered the incident.
If you choose to become an Uber or Lyft driver yourself, your personal auto insurance will probably not be enough coverage while you are driving for the company. If you are considering doing this for a profession, it is always a good idea to first check with your insurance agent to make sure you have all the right coverages in place.