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office (518) 955-7388
*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 liability insurance and federal or state identification. (call and ask your insurance agent for the truth) If an Uber drivers insurance company finds them taking money, or credit card payment for a ride in their car, they will CANCEL THEIR INSURANCE!
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
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
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
, 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!
If you are riding with an Uber
, 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
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
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
. 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/Car Service
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 firstname.lastname@example.org