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From Downtown Saratoga to:
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m.valuevantaxi.com                                       valuevan@yahoo.com                                         (518) 479-9394
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*By the way, Lyft and Uber are NOT ride sharing services...They are Taxi's. Ride -Sharing is when 5 people are going to Albany and they split the gas. When you charge money for a ride, you are a commercial business requiring special licensing, commercial insurance and federal or state identification. 

CAR INSURANCE (What you have) IS NOT COMMERCIAL LIABILITY INSURANCE THAT WOULD COVER YOU IN AN ACCIDENT...WE (REAL TAXI'S) HAVE COMMERCIAL LIABILITY INSURANCE, UBER AND LYFT HAVE CAR INSURANCE!
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Why is Taking a Taxi Better than Ridesharing?
We are all aware of the increasing popularity of ridesharing. There are business cards and ads everywhere about taking a ride using Uber or Lyft where everyday people take you to your destination in their personal vehicles. While it may sound simple enough, there are several things you need to consider before deciding to use this mode of transportation. When you participate in a rideshare, you are facing multiple risks that you may not even initially consider.
First, the driver and the passenger could be facing auto insurance risks if there is an accident because standard auto insurance won’t cover injuries or damages resulting from a personal vehicle being used commercially for rideshare. When you use your app and get in that vehicle, you are also buying an unknown product, which can be dangerous. And, what do you know about that driver? Would you get into a vehicle with just anyone? Here are some important things you should consider before deciding that ridesharing is the right choice for you.

Auto Insurance and Ridesharing
Even at its best, your driver’s auto insurance is going to have flaws and spotty coverage. Auto insurance companies can and will drop customers for using personal vehicles commercially without properly insuring them. Then, after the company has been notified, the driver will be told they need to purchase a commercial insurance policy. Commercial insurance, of course, is going to cost much more than traditional auto insurance so it could be cost prohibitive for the part-time Uber or Lyft driver. This means that if the rideshare vehicle in which you are riding is involved in a crash, you as the passenger will NOT be covered by the auto insurance and you may be stuck paying your own medical bills out of pocket. That would be one expensive ride!

Insurance Through Uber
If you are riding with an Uber driver, Uber does offer insurance coverage for its rideshare team. While this may seem like a positive thing, it isn’t necessarily like that. Uber insurance is only in effect while the driver is signed into the Uber app. There are several things that can impact that connection and possibly cause you to not have the proper coverage. As an example, driving through a dead zone, a dead phone battery, and technical problems that make it unable to connect or stay connected to the app. So, if your driver is involved in a crash, you may not be covered. Please Note: Uber and Lyft (as well as other ride share companies) DO NOT carry Commercial Liability Insurance. 

You Don’t Know What You’re Buying
When you decide to rideshare, you don’t know what you are buying. Rideshare is not as regulated as commercial transportation such as taxis and livery companies. Rideshare vehicles don’t go through the same maintenance routines as taxis. They don’t even have the same inspections that commercial vehicles are required to undergo. Another scary thing involves the driver.
While taxis and livery services require drivers to undergo extensive and thorough background checks, that isn’t the case with ridesharing. Those background checks may not be as stringent, so your driver could be anyone, they don’t even need to be a responsible driver. You are putting your life into the care of your driver. You have the right to know that you are in the care of a safe professional. Also, consider surge pricing. Ridesharing can charge surge pricing, which is very unlikely to be done by a taxi service. You have the right to know what you are buying and what you should expect from your purchase.

Using a Taxi
When you choose to take a taxi to get to your destination, you can expect a safe, professional ride. Taxis are regularly inspected and undergo extensive maintenance. Taxi drivers have undergone thorough background checks and must keep good driving records to be able to stay on the roads. Taxi services have commercial insurance to protect you in the event of a crash. You are going to know the charges, and you are much less likely to encounter surge pricing. When you choose a taxi for transportation, you can expect a safer, more reliable ride. With taxi service, you know what you are buying because it is regulated and carefully supervised.
*This Article was written by Personal Injury Help, however this article is not intended to be legal advice nor should it be construed as such.  To learn more about Personal Injury Help, you can visit their website at www.personalinjury-law.org or email them at help@personalinjury-law.org