This sounds similar to something that used to be common in my country when buying a used car. The dealer would go "i'm going to write a much lower amount on the receipt that way we both pay lower sale tax". You go great I'ma save some money. Then it turns out the car is a total piece of garbage so you go they and ask for your money back and they go "sure, we'll give you back every last cent... of what's on the recepit".
@@CaptainArthanos I mean, plenty of people claim lower sale prices on the title when buying cars in private sales to save on taxes. This would sound perfectly reasonable to any of those people unless they were already suspecting the dealer of being shady.
@Up2Trbl exactly. A friend of a friend has a car for sell, you give them the money but say its lower on the receipt. Happens all the time where I'm at. No one wants the goverment taking more money.
@@g-moneyg-lifeOf course the people who do that are actually committing felony fraud. They risk saving a couple hundred bucks on taxes at the risk of losing tens of thousands of dollars in fines, plus a criminal record that bars them from ever voting or owning or touching a gun again, plus makes them inelligible to hold almost any job that pays over minimum wage - seems like a bargain to me! /sarcasm
Just a question. Would that ride be considered commercial? I had a friend crash his car. Granted he was running from cops. The other friend got seriously hurt and sued friend 1's insurance company(I think) for a LOT of money. Could you not sue Joe's insurance company here?
@@ryanblue4166uhhh I believe the example in this short is commercial because of the cash exchange involved; since the rider is paying Joe for a service, it's legally distinct from Joe just giving them a ride somewhere for free and the accident being unrelated to an exchange like that. least I think so
@@ryanblue4166 No you couldn't. Joe's insurance has a cut out for him using his car commercially. This is because doing so drastically changes how much the car is being used on average, and hence how likely a crash is to happen. Which would require higher rates for insurance to cover that commercial use.
I mean, as long as you and Joe create the mutual alibi that you are friends/acquaintances and that the ride was personal (you haven’t paid him yet), then you’ll be fine. But that requires you both to have the wherewithal to keep to the same story and figure it out before the cops get there for your statement. So yeah, bad idea.
This is especially difficult to do if you've both just been in a life threatening car crash. If it's just a smaller fender bender or something, I could see it, but most of the time that means it's only beneficial to the driver and not the passenger.
I mean you don't need an elaborate story just leave out any mention of uber or money which would honestly be the last thing on my mind after an accident. Or you could literally say the payment was for gas after the fact as well. Really just don't mention uber and get your story straight before you talj to the insurance company
@@stmi2523 doesn’t sound like it if he’s driving for Uber& canceling the ride to pocket the money then running by a red light that ends with Getting t-boned¬ being able to cover the damages….poor Joey….
@@HarrDarrwithout a license, pretty much. all taxi drivers are licensed in their local area and there are a lot of conditions on what kind of car you can drive and stuff like that. uber and lyft barely get away with it as it is, and many people argue they shouldn’t.
I have been screaming this to Uber drivers for the last year. I cannot imagine why in any way an Uber driver or a passenger would agree to this. It's insane. I've only had one ridderr offer it and I said I never ever drive unless it's through the app.
I mean I can see why. It’s a gamble for sure but 99 times out of 100 things are ok. I don’t think I’ve even taken an Uber 100 times. I can see why someone would take the chance. I probably wouldn’t because I was bit by the unlucky bug early on in life but I can see how most people decide it’s worth it. Ride share services grew so fast because they paid their drivers well and were more affordable than taxis. Now they can be a lot more expensive than taxis and pay their drivers like crap. People are irritated and I don’t blame them.
Your odds of getting in a car accident are 1 in 366 for every 1,000 miles driven. The average Uber ride is 5.41 miles so the odds of you getting in a crash on an average Uber ride are 1 in 67,652. Some percentage of these accidents will be of no fault of the Uber driver and should still cover your injuries assuming the driver at fault has insurance. If you can save $1 per ride then as long as the average injury cost that Uber would have provided to you was under $67,652 then the cost benefit would say it is worth it. Having said that I still would just use the app.
They are required to have it to work for Uber, Uber won't hire you until you provide proof of it, but if they are not using their car for a commercial purpose (not going through uber) then the insurance won't cover it. Something like that IANAL but tried to do Uber once and realized the commercial insurance would up what I pay and I may not even make it back because I didn't live in a high Uber area. Couldn't get around needing it tho to do the application.
I’m so glad I am Australian. Here we do not have any company insurance for injuries. Property is through companies. However for injury/death everyone is insured through the government owned traffic accident commission fund and we do not need to worry about this. It will always pay your bills. If you did not pay for your fund that year then if you caused the accident you could be in deep trouble as they can sue you. But innocent people have their bills paid.
It does vary by state though. The TAC model is (I think) unique to Victoria. The fees are automatically included in your vehicle registration. Not sure about other states but NSW requires you to provide a certificate of CTP (compulsory third party) insurance before your rego is valid. CTP policies are fairly heavily regulated but I still really enjoy being under the Victorian model. Edit: also worth noting that the TAC runs the road safety campaigns in Victoria too. Some of them are quite iconic.
New Zealand goes you one better* Aussie. We have full, no fault, National Accident Compensation. Any accident, sport, driving, home, work, you have your medical bills and wage paid. 80% of your wages, 100% of your bill, except teeth. * You know, like we always do.
But, if you don't have a car would you have car insurance for passenger incidents? your medical insurance should cover, but most people have high deductibles.
And a lot of pip and mpc policies (that cover first party medical) are less than $5000 coverage. Like in many states that's the max you can have. And that is before personal health insurance comes into play. That is nothing. Might get you through an er visit. Source: I'm an insurance adjuster.
Joe is trying to sidestep Uber's cut. When Joe cancels your ride it's him who's saving money, and now you're just a guy in Joe's car and you have no protections.
In many states you can use your own Injury Protection coverage on your auto policy (assuming you have one). In many states it is No Fault Medical. Then your insurance company will go after either his insurance or send it to a collection agency.
If you are using your car for a commercial purpose I don't see why an insurance company would be willing to cover that without you paying for the extra commercial insurance. Uber requires you to have it to be hired, it's not like it's an optional thing that only some companies offer.
@@PointsofData My point was for the guy that was the passenger injured by the "off duty" uber driver. If the insurance for the vehicle you were in is not paying, quite often you can use your own. Using your car for commercial work and racing, two things almost never covered.
Not necessarily, it depends on your contract and what state you’re in. Some contracts or states will have carve outs that med pay, pip, etc aren’t applicable if you’re in a taxi or what they call “public livery”. Not sure if Uber would qualify as public livery, again it would come down to the contract or possibly the state.
State farm does have something for people who do this and it's actually quite easy to do if said person for the vehicle they use to do it calls the agent and asks foe it.
Your talking about ride share insurance. That insurance only covers you while you are actually working for a ride share service. Once you cancel the ride and decide to make it a private transaction you are engaged in an activity that is not covered by rideshare insurance.
@joshuawhitman8254 I mean you change one button in the system and change car to business use with ride share as a coverage. It's gray area but have seen it work.
@@joshuawhitman8254then the solution is to just lie and say that Joe is just some guy you know or a friend. Just leave out the part where you exchanged money
@@TheQuark6789 Not really unprovable, the insurance company would know the driver works for a rideshare company, they could easily subpoena the insurance company for Joe's records the day of the crash, see that the passenger hailed Joe, Joe arrived to the pickup location, and the passenger conveniently cancelled and just so happened to get in Joe's car anyway
Honestly the thing I found most surprising about this is that Uber apparently has no fault insurance for both driver and passenger(s) where I live. I would not have been shocked if Uber's terms of service stated "you ride with us, you take your chances."
Yes, uber carries insurance for the uber while going to a fare or while the fare is in the vehicle. It does require that the driver also carries regular insurance and drivers have to submit their insurance info to uber.
Their no fault insurance is a scam. They denied my claim because I didn't take the route suggested in Uber's navigation. Legal justification was "if you followed the app direction to X Street, you wouldn't have been on Y Street to get into an accident in the first place. Claim denied." Nevermind the fact that X Street was currently closed for construction.... 🙄🙄🙄
But Joe wasn't driving me commercially, he was just giving me a ride as a friend. And when we reached my destination I'd pay for the gas, and give him a little extra tip to get himself a beer. This is common sense in what my country calls pirate taxi service.
That will work if you settle for what the insurance company offers in the first place. But, if you decide to sue and lawyers and investigators get involved, it's probably not going to hold up.
And it's insurance fraud, which, if proven because the other dude cracks under pressure and we are trained to look for this kinda thing, has like up to a 15 year jail time sentence. Source: I'm an insurance adjuster
Correction: In my state of Victoria, Australia. Apparently other states have different policies than the TAC. In Australia we have the Traffic Accident Commission TAC most of your registration fees contribute to this federal program that provides full coverage for road truama upto X million dollars indexed to CPI inflation. The fees go up and down depending on your vehicle and how much the TAC had to pay out last financial year. Private insurance is an additional extra coverage. We also have both public and private healthcare systems which are interoperable so you can use either or both depending on your circumstances. There's also a separate national Disability insurance scheme that provides significant cover for rehabilitation and disability care aimed at giving you the best chance at living as close to a normal lofe as normal.
Saying nothing is also a good way to throw suspicion on the fact you aren't just a passenger riding in a car marked as an Uber, driven by an Uber driver who was driving for Uber and came to your location based on an Uber request that mysteriously got cancelled when they arrived...people are required to have commercial insurance to be hired at Uber. Their insurance company is going to know they drive their car for a commercial purpose and aren't just going to hand money out without verifying which insurance should cover it...which likely includes asking Uber if you were driving commercially that day and what times you have logged. Of course, it's no worse for you to stay quiet about your circumstance except the cops being weirded out by you, but it's not ultimately going to boost your chances of magically being covered by their insurance.
Worth noting that in the vast majority of countries world wide, Ubers MUST be driven by people with a taxi license, not just ordinary people like Uber in the United States, so this doesn’t apply. If your taxi driver is offering you a better rate you should take it.
Just because there’s no coverage does not mean you cannot sue, you just don’t a guarantor with a specified set of money(or promissory) set aside incase of a lawsuit to be covered for specified events. You absolutely still CAN sue, you just might be awarded an amount that will never be able to be covered by the party you sue.
Yes, as does personal injury protection, depending on the policy. If your pip does not cover passengers as well as yourself as a paasenger in another car, you need a different provider.
Is it a scam if all the terms are laid out for you in the contract you purchase? Or is it more the person's fault for not reading their damn contract when they make an insurance contract purchase?
I'm an Uber driving with over 16,000 rides. I've been off with cash so many times. I've turned everyone down because I realize the consequences if there's an accident.
I have has soooo soooo many drivers ask me to do that and I never accepted our of fear of a creepy guy willing to take me for a cheaper ride but thanks for the video informing people
The driver has to have his own coverage in order to do ride share work. So his personal insurance company would cover him and his passenger. I have Progressive and do Doordash but, my policy is a general - ride-share Policy that all gig-work is based on under ‘ride-share’ …. my policy states that I do use my car for personal and my ‘ride-share’ work. So even though Doordash covers me while I’m doing a delivery, my Progressive policy covers my personal use and whatever happens during personal use .
That is what these ride share services were. They would match people that needed a ride with someone that was going that way. They would save money over a taxi and not have to worry about all those pesky regulations and licensing.
In the case of food delivery however, it's very different. Of course you are "required" to update your insurance still. But the distinction is you don't have a passenger to worry about. So don't tell your insurnce you are delivering food. If you get in an accident, don't tell the cops, don't tell anyone you deliver food.
How would you sue Uber when *you're* the person who decided to cancel the Uber ride and pay the driver directly? Soulless corporation or not, Uber ain't involved once you cancel. They're the sole party who is innocent in this situation.
@@cuterpooter Because Uber was the one who connected you to the driver. In a sense it could be argued that they gave their approval of his driving skills. Therefore they gave you the impression that driving with this person is safe. Also don't forget we live in America, people sue for any reason at all.
@@cuterpooterUber sent the car, and the representative of the company (the Uber driver) told you to cancel the ride on the app and do the transaction a different way.
Uber's TOS CLEARLY says - and I did a video on it - that Uber can withdraw insurance coverage on ANY DRIVER at ANY TIME, without notifying the driver that Uber is not covering the rides. Yes. Look at the TOS agreement and you'll see that many drivers are having accidents while driving for Uber and Uber is removing the ride from their history and not covering the ride. This is not hypothetical like this guy's hypothetical video. Uber is leaving drivers high and dry DAILY, as many are stuck with damaged cars, no coverage for medical bills, etc - and they were doing a ride for UBER when they had the accident!
To be fair, that's only if you pay Joe. One time I got a free ride home because the driver was going that way anyways, so if something happened, she wasn't doing anything against her policy, I was just a passenger. As far as I know, it doesn't matter who your passenger is, whether a stranger or Jesus, as long as money wasn't exchanged, it wasn't commercial. So yeah, if you're gonna pay anyways, just do it through the app, unless the Uber also functions as a taxi and has the proper insurance. But if they offer you a free ride, statefarm is there?
As a former adjuster for Geico/liberty mutual, the answer is no. The driver was operating in the course and conduct of their normal form of business...giving strangers a ride from point A to point B. During a scheduled shift no less. That they weren't paid or even said it was a free ride on their way home is not the point...they were still doing business activities. A delivery driver comping a pizza is still delivering pizzas
i mean technically its not a commercial purpose anymore right? Joe's just driving his car. it would only be commercial if he was giving an uber ride, but he wasnt, soooo.
If Joe is accepting payment for the ride, its a commercial purpose. Joe's insurance will deny coverage. Uber's insurance will deny coverage. You can still sue Joe, but he probably doesn't the assets to cover your injuries, rehab, lost wages, and pain and suffering.
And who says they even have to know about the money? For all they know you called an Uber it showed up and saw it was your old friend Joe driving so he told you to cancel it, it's on him. Then you're driving along and BAM!
THIS HAPPENED TO ME THE OTHER DAY. What a lovely way to start a 10 hr travel day which Mike (his actual name) decided to try and rip me off. Then he had the audacity to say I cancel the ride and eat the $5 cost! Reached out to Uber reaaaal quick lol Samesh picked us up shortly after tho and was amazing so thanks for being a real one Samesh
Ummmm Expect the Fact that a Lot of us (Uber Drivers) actually carry Commercial Insurance outside of just relying on Uber because we do more than just Uber. PLEASE STOP Making Uber Drivers seem like they are not intelligent or less than! SMDH Every Driver is different just like every Lawyer 🙄
I was so confused thinking "So what if the drivers doesnt have insurance coverage, hell be liable since hes the driver I wont have tobpay for damages" until you mentioned medical bills. It slips my mind sometimes that pretty much any country outside the USA is normal and has health insurance as a default for every citizen so crazy expenaive procedures are mever an issue 😂
The fun part is explaining this to customers who drive TNC as an insurance agent, the customers... id say 80 percent of them, get so upset that we can offer coverage while you are waiting for an order, but once you accept the order, till the time its completed, you are on the company you are ridesharing withs insurance...
Well if insurance companies would actually do their job. Everyone's individual health insurance should cover this. But since it's illegal not to have insurance and not illegal for insurance to pay out after getting free money from people obeying the law. These insurance companies shouldn't be looking for someone responsible since they are getting paid to do a service.
But Uber doesn't have commercial insurance either! (Unless driver leases a car from them). They just a platform to commect people together. They dont own shit.
Uber doesnt have insurance either. There is no insurance coverage through riding with uber. If your driver does not pay for liability insurance for commercial use, you're screwed anyway
Maybe it's the systematic fear of being a woman but I would not trust someone who wants to go off the tracked app to get to my location. The possibility of being driven out to the middle of the woods is way too high.
I'm laughing because cabs have remained cheaper than Uber and Lyft nearly everywhere, and you'll never have to worry about these shenanigans with an actual cab.
my not legal advice is that if you pay joe to ride in his car and get in an accident, no you didn't pay him, you're just getting a ride with your friend joe
It just puts more money in their pocket is all. Saves you cash. Makes them more. Cuts out the middle man. I used to do this when I drove for lyft but bc people started asking me to do it. I never thought of it from this perspective though.
Love all the people in the comments saying that Joe can just lie and claim he was just giving you a ride as a friend. Lemme tell y'all a little story: My fiancee got hit by a DoorDasher while she was on her way to pick up an order. The girl lied to the cops and claimed she wasn't using her car to Dash, initially attempted to lie to HER OWN INSURANCE to claim she wasn't on an order at the time, and it wasn't until her insurance company asked DoorDash's insurance if she was Dashing at the time that DD's insurance admitted that she was and that they were liable. Insurance companies, generally speaking, make their profits by NOT paying claims, so if there's the SLIGHTEST chance they can make someone else pay they will. They WILL find out that Joe was picking up an Uber customer who cancelled, and they WILL find out that it was you. And if you try to go along with the lie, they very likely WILL file insurance fraud charges against you. In Georgia (where Mike works and I live), that's a felony with fines of up to $10K and up to TEN YEARS in prison. Don't get cute. Their lawyers are better, smarter, and more committed to protecting their employers than you will EVER be.
If you order an UberX, XL or share, this guy is 100% right! You order a Lyft or Uber black and offer them cash, that driver is a professional with an LLC and commercial insurance. Know the difference!!! Uber and Lyft steal more than 50% of the fare and even when driving Black, it’s a race to the bottom. Support local businesses by taking money away from billionaires in San Francisco and giving it to the people in nice black cars working to provide clean, safe rides to people.
But, in a separate video, you had also said that insurance covers the car -- not the driver. (Auto insurance is such a scam, and it's pulling lawyers into the mud, too.) Then again, ride-share apps/companies are also a scam. Like you said, once they take payment for their services, it becomes "commercial" driving, and requires a chauffeur license (which VERY FEW ride-share drivers have.)
I... I thought this was common knowledge and common sense.... It kinda pairs with the whole "dont get into a stranger's car"... If you cancel the uber and still hop in, you've potentially just kidnapped yourself... Uber's evidence of you taking that ride is gone, as far as their system cares, you never existed, you've just hitchhiked, and are at all the same risks... How tf have more people my age NOT gotten kidnapped if this is what they do...
I once hailed a Lyft driver … kept waiting and waiting … I could see they were close but not moving. I had to walk down the block to get their attention. It was not the driver whose picture was posted on the app, but it was his wife. The trunk was full of their personal stuff, so us 3 passengers had to carry our luggage on our laps. The woman ran a red light and if not for my awareness and quick reaction of grabbing the wheel and swerving to avoid a collision it would have been a nasty accident. She had no clue how to get to the airport because she actually lived about 2 hours south. I had GPS on my phone to guide her. After we got thru TSA I sent a email to Lyft Customer Service explaining how f’d up our experience was … I got a phone call from Lyft the next day apologizing, gave me a full refund and “credit” towards my next Lyft ride. The CS rep explained the husband was the only one who was supposed to be driving and violated Lyft guidelines regarding driver responsibility, keeping the car clean and having enough space to carry passengers and luggage … he got fired!!!
9/10 times, the driver wants to make money, so they'll keep the app open and not ask you to cancel after you're in the car. There was one time an Uber driver did cancel mid-ride, but he kept driving. It was a day in April a couple years back when my grandmother on my father's side passed away. I was Ubering home to get there quicker than transit could get me there, and when the driver asked me how my day was going, I broke. Dude cancelled and I asked him why, and he said he didn't want me to pay full price (very kind of him but you don't get refunded if your driver cancels mid-ride. By doing that, your driver does forfeit their wages from that trip, so basically Uber itself takes the money).
Actually depends, In the netherlands, official taxi drivers (blue licence plate) often use Uber for times when taxi (metered taxi) demand is low. Not 100%. Of uber drivers are licenced taxis, but a suprising large amount do. These people are actually licenced taxis and they do therefore have coverage in these case, otherwise they can't be licensed. And besides that, any emergency care in the EU, especially in your home country is covered by insurance. Health insurance will pay for that, it is mandatory to have health insurance here. Besides a few exceptions for religious groups, If you don't pay for your health insurance the goverment pays it for you and you get in debt to the goverment. Disclaimer: even though i've done my research, i am not a legal professional and this is not legal advise
Oh, honey. Try googling what real life people who have been in Uber rides that got into accidents went through. I'll give you a hint: even in legitimate rides, they're still not covered. So many horror stories out there of people's lives being ruined because Uber insurance failed. This is true *in theory*. But in reality, insurance companies are evil and will do everything they can to avoid paying a dime. So fuck that noise because you'll be responsible for your own medical bills either way. Take the cheaper ride with a driver who won't run red lights and enjoy the $5 savings.
wait what!! i thought uber was the same thing as sharing your ride with someone, and that's why they don't need to hire their employees or pay them a living wage, but now you're telling me that that's commercial passenger transit, and they need commercial car insurance? no way, it can't possibly be! i thought uber was just a dating app for people with cars to find people who need a ride, a social media platform, a virtual acquaintance-finder, if you will. but now you're saying they're actually profiting from running a taxi service without any of the normal regulations or expenses that typically apply to running a taxi service and keeping it safe? what a shock, what a surprise, how could a multi-billion dollar tech company deceive the public and regulators like this?
My bestie's sister got in an accident with her friend in the car. They both got injured the same. Lil sis was able to stay at home with her parents for 2 years while fighting for her insurance claims. Her friend had no one and had to go back to work injured. Lil sis got her insurance payout, bought herself a house with it, got married, even bought a boat. Her friend is still broke renting a shitty apartment at 2024 rental rates and even more disabled after years of non-stop labour just to survive. Lil sus doesn't understand why her friend doesn't hang iut with her much anymore despite no being avke to afford a babysitter or even know her days off more than a week or 2 in advance because she can only manage a crappy shift job that treats her like dirt. She's not disabled enough to be completely incapable of **any** work, so even with govt help, she's still forced to work as much as possible just to survive.
I had a couple of rides out of the app for a semester of college. I would drive uber back and forth from my college town to my hometown once a week. Came up to $200, my drivers only got $100. Told them I'd give them $150 if they drove me out of Uber and they would take me. Was it safe? No. But I did it and I'm fine
So, I can't speak for Uber, but I know that the delivery services like Doordash and UberEats require you to actually purchase and provide your own insurance, and it usually has to be commercial insurance. They don't provide insurance for their drivers. Uber/Lyft may be different, but I doubt it.
What if Joe does have commercial insurance? Joe is classified as an independent contractor, why is Joe buying insurance from Uber? To be an independent contractor would Joe need his own business license and commercial insurance? When buying insurance from Uber, did Joe get an upfront rate? Is Uber obligated to tell Joe how much the insurance costs, and it's limitations before Joe signs the policy? When does Joe sign for the policy? Is the rider actually the one buying the Insurance from Uber?
A lot of uber/lyft drivers ARE getting commercial insurance because they're required to by law. And, I'm almost certain I er/Lyft don't provide insurance to their drivers unless the driver pays extra (like through their rental car programs). I think this varies A LOT by state.
I might be missing something, but if an Uber driver ever asked me that, I would softly say that I’m going to pass and possibly ask them to just cancel the whole ride cause any driver asking me that would just feel so creepy and not right. No safety, no assurance-like a taxi driver coming to pick you up and saying “hey, instead of riding in the taxi, let me drive you in my personal car without any map or assurance they aren’t just kidnapping you 😂 awesome video as always brother 🔥
I mean technically you can sue Joe, it’s just not going to be productive because he almost certainly doesn’t have enough assets to cover your damages.
Yep, 100% true. You can win a summary judgement, but at the end of the day, you can't be paid with money that doesn't exist.
This was my exact question and thought process at the end. This makes logical sense
Always worth looking into. Joe might have inherited some assets that the judge can force him to sell.
I wouldn’t sue joe, he sounded like a nice guy with good intentions :(
maybe he can pull in some extra income by driving uber
Did not Expect Joe to be Uber driving after Impractical Jokers lol
Joe Gatto is tonight’s biggest loser 😭😂
@@BUSSINJUSTIN10M"Hey Joe, ya see that red light? Time it so you get t-boned and then tell the passenger you don't have any insurance"
Joe got hit by a truck driving an off-contact Uber passenger while only have garbage State Farm insurance, making him tonight's biggest loer
pro tip, have them cancel the ride after you get there.
@@wotdat7983this is the funniest comment ever!
This sounds similar to something that used to be common in my country when buying a used car. The dealer would go "i'm going to write a much lower amount on the receipt that way we both pay lower sale tax". You go great I'ma save some money. Then it turns out the car is a total piece of garbage so you go they and ask for your money back and they go "sure, we'll give you back every last cent... of what's on the recepit".
Oooooh that’s dirty
I genuinely do not see how anyone could fall for this
@@CaptainArthanos I mean, plenty of people claim lower sale prices on the title when buying cars in private sales to save on taxes. This would sound perfectly reasonable to any of those people unless they were already suspecting the dealer of being shady.
@Up2Trbl exactly. A friend of a friend has a car for sell, you give them the money but say its lower on the receipt. Happens all the time where I'm at. No one wants the goverment taking more money.
@@g-moneyg-lifeOf course the people who do that are actually committing felony fraud. They risk saving a couple hundred bucks on taxes at the risk of losing tens of thousands of dollars in fines, plus a criminal record that bars them from ever voting or owning or touching a gun again, plus makes them inelligible to hold almost any job that pays over minimum wage - seems like a bargain to me! /sarcasm
The "thisisnotlegaladvice" got me laughing hard.
He said it twice
The little screen flash thing or whatever is what got me crackin up. Definitely not legal advice.
beep beep beep ill be there
😂
And then Joe just magically appears. Wonder why he has to go through the rigmarole of driving you.
The correct technical term.
Mr. Krabs: The one that goes "bee-boo-boo-bop, boo-boo-beep."
Radio DJ: No, man. You're thinking of "bee-boo-boo-bop, boo-boo-bop
As a commercial insurance agent this guy is 100% correct. I can find no error in anything he has said. Ever.
Just a question. Would that ride be considered commercial?
I had a friend crash his car. Granted he was running from cops. The other friend got seriously hurt and sued friend 1's insurance company(I think) for a LOT of money. Could you not sue Joe's insurance company here?
@@ryanblue4166uhhh I believe the example in this short is commercial because of the cash exchange involved; since the rider is paying Joe for a service, it's legally distinct from Joe just giving them a ride somewhere for free and the accident being unrelated to an exchange like that. least I think so
@@ryanblue4166 No you couldn't. Joe's insurance has a cut out for him using his car commercially. This is because doing so drastically changes how much the car is being used on average, and hence how likely a crash is to happen. Which would require higher rates for insurance to cover that commercial use.
@@benjaminmatheny6683 makes sense. Thanks
@@phoenixomega806 makes sense thanks
I mean, as long as you and Joe create the mutual alibi that you are friends/acquaintances and that the ride was personal (you haven’t paid him yet), then you’ll be fine. But that requires you both to have the wherewithal to keep to the same story and figure it out before the cops get there for your statement. So yeah, bad idea.
If Joe doesn't want to be sued for the price of a mortgage, Joe's gonna say his buddy was in the car when there was an accident and he got injured.
This is especially difficult to do if you've both just been in a life threatening car crash. If it's just a smaller fender bender or something, I could see it, but most of the time that means it's only beneficial to the driver and not the passenger.
I mean you don't need an elaborate story just leave out any mention of uber or money which would honestly be the last thing on my mind after an accident. Or you could literally say the payment was for gas after the fact as well. Really just don't mention uber and get your story straight before you talj to the insurance company
Insurance fraud is a felony.
And then once the jury decided that you lied and you get charged with a felony insurance fraud along with your buddy, you will enjoy your life.
I love how instead of some random person, it’s just Joe Gatto
At least we know he's doing alright after leaving the jokers
@@stmi2523 doesn’t sound like it if he’s driving for Uber& canceling the ride to pocket the money then running by a red light that ends with Getting t-boned¬ being able to cover the damages….poor Joey….
It's also potentially illegal with how taxiing laws work.
It is indeed illegal at least where I live
@@Eclipse-lw4vf it's illegal to pay someone to give you a ride?
@@HarrDarr Yes, taxi cartels still have their old laws on the books
@@HarrDarrwithout a license, pretty much. all taxi drivers are licensed in their local area and there are a lot of conditions on what kind of car you can drive and stuff like that. uber and lyft barely get away with it as it is, and many people argue they shouldn’t.
They're called livery laws
This is fantastic legal advice. Thank you
Definitely not legal advice
@@BradDiBenedetto Instructions unclear, citing as source
😂😂😂
I have been screaming this to Uber drivers for the last year. I cannot imagine why in any way an Uber driver or a passenger would agree to this. It's insane. I've only had one ridderr offer it and I said I never ever drive unless it's through the app.
I mean I can see why. It’s a gamble for sure but 99 times out of 100 things are ok. I don’t think I’ve even taken an Uber 100 times. I can see why someone would take the chance. I probably wouldn’t because I was bit by the unlucky bug early on in life but I can see how most people decide it’s worth it.
Ride share services grew so fast because they paid their drivers well and were more affordable than taxis. Now they can be a lot more expensive than taxis and pay their drivers like crap. People are irritated and I don’t blame them.
Driver gets paid more, point blank.
It's risk versus reward. Though I'm sure some just don't think about anything but saving/getting more money.
@@dffndjdjd Or they get into an accident.
Your odds of getting in a car accident are 1 in 366 for every 1,000 miles driven. The average Uber ride is 5.41 miles so the odds of you getting in a crash on an average Uber ride are 1 in 67,652. Some percentage of these accidents will be of no fault of the Uber driver and should still cover your injuries assuming the driver at fault has insurance. If you can save $1 per ride then as long as the average injury cost that Uber would have provided to you was under $67,652 then the cost benefit would say it is worth it. Having said that I still would just use the app.
Well, that's why you ask if he has a rideshare endorsement or commercial insurance.
So, if he lies to you, or says yes without understanding the question, what's your recourse?
Ask to see his policy card. @@creativecraving
@@creativecravingidk man I’m not a lawyer
They are required to have it to work for Uber, Uber won't hire you until you provide proof of it, but if they are not using their car for a commercial purpose (not going through uber) then the insurance won't cover it. Something like that IANAL but tried to do Uber once and realized the commercial insurance would up what I pay and I may not even make it back because I didn't live in a high Uber area. Couldn't get around needing it tho to do the application.
@@PointsofData that depends on where you live. Uber has its own supplemental insurance in the other states that don't require commercial insurance
I’m so glad I am Australian. Here we do not have any company insurance for injuries. Property is through companies. However for injury/death everyone is insured through the government owned traffic accident commission fund and we do not need to worry about this. It will always pay your bills. If you did not pay for your fund that year then if you caused the accident you could be in deep trouble as they can sue you. But innocent people have their bills paid.
From America that sounds like a utopian pipe dream
Not to mention most hospital visits and emergency surgery is covered by Medicare, so you’re probably not going be out of pocket anyways.
It does vary by state though. The TAC model is (I think) unique to Victoria. The fees are automatically included in your vehicle registration. Not sure about other states but NSW requires you to provide a certificate of CTP (compulsory third party) insurance before your rego is valid. CTP policies are fairly heavily regulated but I still really enjoy being under the Victorian model.
Edit: also worth noting that the TAC runs the road safety campaigns in Victoria too. Some of them are quite iconic.
New Zealand goes you one better* Aussie.
We have full, no fault, National Accident Compensation. Any accident, sport, driving, home, work, you have your medical bills and wage paid. 80% of your wages, 100% of your bill, except teeth.
* You know, like we always do.
@@uncletiggermclaren7592 I'll give you that, and I'll give you the pies, but that's it!
Mike's face flying across the screen with "thisisnotlegaladvice" in a tiny voice 🤣
Grown man in a suit saying "beep beep beep bop" is really funny to me idk why
IKR?! It cracks me up, too!
Typically your own insurance would cover you as a passenger though? That might not be much coverage though depending on your plan.
But, if you don't have a car would you have car insurance for passenger incidents? your medical insurance should cover, but most people have high deductibles.
And a lot of pip and mpc policies (that cover first party medical) are less than $5000 coverage. Like in many states that's the max you can have. And that is before personal health insurance comes into play. That is nothing. Might get you through an er visit. Source: I'm an insurance adjuster.
You can sue Joe and wait 300 years to recoup your damages 🤠
Joe is trying to sidestep Uber's cut. When Joe cancels your ride it's him who's saving money, and now you're just a guy in Joe's car and you have no protections.
In many states you can use your own Injury Protection coverage on your auto policy (assuming you have one). In many states it is No Fault Medical. Then your insurance company will go after either his insurance or send it to a collection agency.
True, you could also use UMBI/UMPD and subro... assuming you have the coverage
If you are using your car for a commercial purpose I don't see why an insurance company would be willing to cover that without you paying for the extra commercial insurance. Uber requires you to have it to be hired, it's not like it's an optional thing that only some companies offer.
@@PointsofData My point was for the guy that was the passenger injured by the "off duty" uber driver. If the insurance for the vehicle you were in is not paying, quite often you can use your own.
Using your car for commercial work and racing, two things almost never covered.
Not necessarily, it depends on your contract and what state you’re in. Some contracts or states will have carve outs that med pay, pip, etc aren’t applicable if you’re in a taxi or what they call “public livery”. Not sure if Uber would qualify as public livery, again it would come down to the contract or possibly the state.
@@Darruus Yea that is the fun of Auto Insurance. 50 risk states x 50 loss states = a confusing mess of rules.
State farm does have something for people who do this and it's actually quite easy to do if said person for the vehicle they use to do it calls the agent and asks foe it.
Your talking about ride share insurance. That insurance only covers you while you are actually working for a ride share service. Once you cancel the ride and decide to make it a private transaction you are engaged in an activity that is not covered by rideshare insurance.
@joshuawhitman8254 I mean you change one button in the system and change car to business use with ride share as a coverage. It's gray area but have seen it work.
@@joshuawhitman8254then the solution is to just lie and say that Joe is just some guy you know or a friend. Just leave out the part where you exchanged money
That sounds like it's probably illegal. Unprovable maybe, but probably illegal.
@@TheQuark6789 Not really unprovable, the insurance company would know the driver works for a rideshare company, they could easily subpoena the insurance company for Joe's records the day of the crash, see that the passenger hailed Joe, Joe arrived to the pickup location, and the passenger conveniently cancelled and just so happened to get in Joe's car anyway
Honestly the thing I found most surprising about this is that Uber apparently has no fault insurance for both driver and passenger(s) where I live. I would not have been shocked if Uber's terms of service stated "you ride with us, you take your chances."
Instacart doesn't cover any of its drivers. It is horrible. We have to get our own Comercial policy. I hate it. Most instacart drivers ignore this.
Yes, uber carries insurance for the uber while going to a fare or while the fare is in the vehicle. It does require that the driver also carries regular insurance and drivers have to submit their insurance info to uber.
Their no fault insurance is a scam.
They denied my claim because I didn't take the route suggested in Uber's navigation. Legal justification was "if you followed the app direction to X Street, you wouldn't have been on Y Street to get into an accident in the first place. Claim denied."
Nevermind the fact that X Street was currently closed for construction.... 🙄🙄🙄
But Joe wasn't driving me commercially, he was just giving me a ride as a friend. And when we reached my destination I'd pay for the gas, and give him a little extra tip to get himself a beer. This is common sense in what my country calls pirate taxi service.
That will work if you settle for what the insurance company offers in the first place. But, if you decide to sue and lawyers and investigators get involved, it's probably not going to hold up.
And it's insurance fraud, which, if proven because the other dude cracks under pressure and we are trained to look for this kinda thing, has like up to a 15 year jail time sentence. Source: I'm an insurance adjuster
What a crappy job that must be
@@ThemanlymanStan no worse than anything else under this capitalistic hellscape.
Correction: In my state of Victoria, Australia. Apparently other states have different policies than the TAC.
In Australia we have the Traffic Accident Commission TAC most of your registration fees contribute to this federal program that provides full coverage for road truama upto X million dollars indexed to CPI inflation. The fees go up and down depending on your vehicle and how much the TAC had to pay out last financial year. Private insurance is an additional extra coverage. We also have both public and private healthcare systems which are interoperable so you can use either or both depending on your circumstances. There's also a separate national Disability insurance scheme that provides significant cover for rehabilitation and disability care aimed at giving you the best chance at living as close to a normal lofe as normal.
That's awesome. I mean you'd have to live in Australia, but otherwise...
Exactly the reason why you say absolutely nothing to anybody. If your just a passenger then you are covered
Saying nothing is also a good way to throw suspicion on the fact you aren't just a passenger riding in a car marked as an Uber, driven by an Uber driver who was driving for Uber and came to your location based on an Uber request that mysteriously got cancelled when they arrived...people are required to have commercial insurance to be hired at Uber. Their insurance company is going to know they drive their car for a commercial purpose and aren't just going to hand money out without verifying which insurance should cover it...which likely includes asking Uber if you were driving commercially that day and what times you have logged.
Of course, it's no worse for you to stay quiet about your circumstance except the cops being weirded out by you, but it's not ultimately going to boost your chances of magically being covered by their insurance.
Worth noting that in the vast majority of countries world wide, Ubers MUST be driven by people with a taxi license, not just ordinary people like Uber in the United States, so this doesn’t apply. If your taxi driver is offering you a better rate you should take it.
He's a lawyer in the US, so what he's saying is based on US laws
The American lawyer is talking about American laws?!? On an American app!?!? Made on American internet!?!
@orxchi3853 only the first one applies. TH-cam is international, and there are lawyers from other contries talking about their own laws.
@@orxchi3853 Extra autistic today I see ?
Just because there’s no coverage does not mean you cannot sue, you just don’t a guarantor with a specified set of money(or promissory) set aside incase of a lawsuit to be covered for specified events. You absolutely still CAN sue, you just might be awarded an amount that will never be able to be covered by the party you sue.
“Beep beep beep I’ll be there” *materializes*
Doesn't underinsured motorist protection cover you in this situation?
Yes, as does personal injury protection, depending on the policy. If your pip does not cover passengers as well as yourself as a paasenger in another car, you need a different provider.
Your regular medical insurance also covers. Don't see why people think they need to purchase two medical insurance policies.
Basically, insurance is scamming you.
Is it a scam if all the terms are laid out for you in the contract you purchase? Or is it more the person's fault for not reading their damn contract when they make an insurance contract purchase?
I'm an Uber driving with over 16,000 rides. I've been off with cash so many times. I've turned everyone down because I realize the consequences if there's an accident.
beep beep beep
I have has soooo soooo many drivers ask me to do that and I never accepted our of fear of a creepy guy willing to take me for a cheaper ride but thanks for the video informing people
I’ve been a passenger in a vehicle accident. I was paid by the insurance company.
Thats one of the most american thing I heard, where I live u cant lose money from getting hurt and suing doesnt actually really exist
Good advice. I had to explain this to countless passengers. It’s just a bad idea.
Were you transporting these passengers for commercial purposes?
I also recommend reading the contract you signed.
The driver has to have his own coverage in order to do ride share work. So his personal insurance company would cover him and his passenger.
I have Progressive and do Doordash but, my policy is a general - ride-share
Policy that all gig-work is based on under ‘ride-share’ …. my policy states that I do use my car for personal and my ‘ride-share’ work.
So even though Doordash covers me while I’m doing a delivery, my Progressive policy covers my personal use and whatever happens during personal use .
You were giving your buddy a ride and he spotted you some gas money
That is what these ride share services were. They would match people that needed a ride with someone that was going that way. They would save money over a taxi and not have to worry about all those pesky regulations and licensing.
@@MN-Hillbilly that's how Lyft used to advertise it.
@@NikoBellaKhouf2 Now it has become a huge business.
Imagine if they promoted drug dealers driving their cars...
@@topherkrock have you met uber drivers? They hire anyone with a pulse, even actual grapists
In the case of food delivery however, it's very different. Of course you are "required" to update your insurance still. But the distinction is you don't have a passenger to worry about. So don't tell your insurnce you are delivering food. If you get in an accident, don't tell the cops, don't tell anyone you deliver food.
I never had a Uber driver do that.
Thanks for letting us know
Side note: most car insurance policies REQUIRE commercial insurance if you’re an uber driver. So yes, he would have commercial coverage.
I love this guy
❤
Progressive has my coverage, I drive Uber, and it's allegedly commercial insurance.
It is really sad. Drivers are really suffering. If Uber and Lyft would pay fairly...this would not happen.
Let’s say Joe and I both tell the insurance companies that we were just friends riding together? Insurance would cover it? *How would they know*
"No one to possibly sue"
Besides Joe and Uber.
Uber connected you to this person, Joe made the deal.
How would you sue Uber when *you're* the person who decided to cancel the Uber ride and pay the driver directly?
Soulless corporation or not, Uber ain't involved once you cancel. They're the sole party who is innocent in this situation.
@@cuterpooter Because Uber was the one who connected you to the driver. In a sense it could be argued that they gave their approval of his driving skills. Therefore they gave you the impression that driving with this person is safe.
Also don't forget we live in America, people sue for any reason at all.
@@cuterpooterUber sent the car, and the representative of the company (the Uber driver) told you to cancel the ride on the app and do the transaction a different way.
Joe isn't employed by Uber he's a contractor and not operating under Uber
Cash under the table is not commercial purposes. Giving somebody gas money and wear and tear money is not commercial purposes.
Some companies do in-fact offer rideshare endorsement (sign...an agent) however
Also remember with any insurance, they will do anything to pay as little as possible, especially if that number is ZERO!
Thisisnotlegaladvice got me lmao
Uber's TOS CLEARLY says - and I did a video on it - that Uber can withdraw insurance coverage on ANY DRIVER at ANY TIME, without notifying the driver that Uber is not covering the rides. Yes. Look at the TOS agreement and you'll see that many drivers are having accidents while driving for Uber and Uber is removing the ride from their history and not covering the ride. This is not hypothetical like this guy's hypothetical video. Uber is leaving drivers high and dry DAILY, as many are stuck with damaged cars, no coverage for medical bills, etc - and they were doing a ride for UBER when they had the accident!
I thought he was gonna be like after you're dropped off you can just dip & not pay because you're not in a uber 😂
Can you I just lie and say he was a friend driving? Then the personal insurance would cover it on his behalf
"....making the passenger liable for all his/her damages that happen next!"😅
Better upgrade yourself more law guy, you are missing some points ~ 🤮🤮🤮
The police do stings on this, they use undercovers on uber and offer to do it cash, you save money they get it tax free, than arrest you if you agree.
The confidence with which he said "no you fuckin don't, Joe" was palpable.
To be fair, that's only if you pay Joe. One time I got a free ride home because the driver was going that way anyways, so if something happened, she wasn't doing anything against her policy, I was just a passenger. As far as I know, it doesn't matter who your passenger is, whether a stranger or Jesus, as long as money wasn't exchanged, it wasn't commercial. So yeah, if you're gonna pay anyways, just do it through the app, unless the Uber also functions as a taxi and has the proper insurance. But if they offer you a free ride, statefarm is there?
As a former adjuster for Geico/liberty mutual, the answer is no. The driver was operating in the course and conduct of their normal form of business...giving strangers a ride from point A to point B. During a scheduled shift no less. That they weren't paid or even said it was a free ride on their way home is not the point...they were still doing business activities. A delivery driver comping a pizza is still delivering pizzas
Having no idea how Uber works I'm sweating my brain trying to make sense while this guys speaks at 500 words per minute
Does that also apply if you're driving with a friend or is that still covered as it's not commercial?
If it's a genuine lift for a friend it's not commercial.
I have never in my life had a rideshare driver tell me "beep beep beep im there"
Isnt this technically also tax evasion? If someone knows about this pls reply.
If Joe is not reporting the income, then yes.
i mean technically its not a commercial purpose anymore right? Joe's just driving his car. it would only be commercial if he was giving an uber ride, but he wasnt, soooo.
If Joe is accepting payment for the ride, its a commercial purpose. Joe's insurance will deny coverage. Uber's insurance will deny coverage. You can still sue Joe, but he probably doesn't the assets to cover your injuries, rehab, lost wages, and pain and suffering.
This
@@jamessessions5374 well the money wasnt for the ride, it was a gift to joe, my good friend.
And who says they even have to know about the money? For all they know you called an Uber it showed up and saw it was your old friend Joe driving so he told you to cancel it, it's on him. Then you're driving along and BAM!
@@MikeRafiLawyer I'm an adjuster. Do you shake your head at these "good friend Joe" assertions like I do?
THIS HAPPENED TO ME THE OTHER DAY. What a lovely way to start a 10 hr travel day which Mike (his actual name) decided to try and rip me off. Then he had the audacity to say I cancel the ride and eat the $5 cost! Reached out to Uber reaaaal quick lol Samesh picked us up shortly after tho and was amazing so thanks for being a real one Samesh
Ummmm Expect the Fact that a Lot of us (Uber Drivers) actually carry Commercial Insurance outside of just relying on Uber because we do more than just Uber. PLEASE STOP Making Uber Drivers seem like they are not intelligent or less than! SMDH Every Driver is different just like every Lawyer 🙄
I was so confused thinking "So what if the drivers doesnt have insurance coverage, hell be liable since hes the driver I wont have tobpay for damages" until you mentioned medical bills. It slips my mind sometimes that pretty much any country outside the USA is normal and has health insurance as a default for every citizen so crazy expenaive procedures are mever an issue 😂
The fun part is explaining this to customers who drive TNC as an insurance agent, the customers... id say 80 percent of them, get so upset that we can offer coverage while you are waiting for an order, but once you accept the order, till the time its completed, you are on the company you are ridesharing withs insurance...
Well if insurance companies would actually do their job. Everyone's individual health insurance should cover this. But since it's illegal not to have insurance and not illegal for insurance to pay out after getting free money from people obeying the law. These insurance companies shouldn't be looking for someone responsible since they are getting paid to do a service.
But Uber doesn't have commercial insurance either! (Unless driver leases a car from them). They just a platform to commect people together. They dont own shit.
Uber doesnt have insurance either. There is no insurance coverage through riding with uber. If your driver does not pay for liability insurance for commercial use, you're screwed anyway
Actually, when I was driving Lyft, my insurance required extra coverage for me and the car.
Why are you telling them?
@@TopShot501st Because if I got in a wreck I wanted to be covered?
@@dungeonpastor then you'd file under Lyfts insurance NOT your personal.
@@TopShot501st It's ok to be incorrect
@@dungeonpastor good luck getting private insurance to cover commercial use.
Maybe it's the systematic fear of being a woman but I would not trust someone who wants to go off the tracked app to get to my location. The possibility of being driven out to the middle of the woods is way too high.
I'm laughing because cabs have remained cheaper than Uber and Lyft nearly everywhere, and you'll never have to worry about these shenanigans with an actual cab.
Thats why I dont know this information and would never know to offer this set of facts to the insurance company. I'm just Joe's friend.
my not legal advice is that if you pay joe to ride in his car and get in an accident, no you didn't pay him, you're just getting a ride with your friend joe
Same applies to taxicabs, when the meter is "off," so is your insurance from the cab company.
BEEB BEEB BOB BEEB 🗣️🗣️🔥🔥
I have a great solution, don't live in the US and you don't have to worry about medical fees problem solved
Joe, just shouldn't tell his insurance company that he was using his car for a commercial purpose
What do you mean me and Joe have been best buds forever we were just on the way to the bar for some drinks
Me and Joe are homies if we crash I no snitch
LMAOOOOOOOO!! FACTS!
Some of us have comercial insurance and solicite riders via the app. but its rare.
If they ask to do that id just assume theyre running some scam
It just puts more money in their pocket is all. Saves you cash. Makes them more. Cuts out the middle man. I used to do this when I drove for lyft but bc people started asking me to do it. I never thought of it from this perspective though.
Thanks for the blatant legal advice
Love all the people in the comments saying that Joe can just lie and claim he was just giving you a ride as a friend. Lemme tell y'all a little story:
My fiancee got hit by a DoorDasher while she was on her way to pick up an order. The girl lied to the cops and claimed she wasn't using her car to Dash, initially attempted to lie to HER OWN INSURANCE to claim she wasn't on an order at the time, and it wasn't until her insurance company asked DoorDash's insurance if she was Dashing at the time that DD's insurance admitted that she was and that they were liable.
Insurance companies, generally speaking, make their profits by NOT paying claims, so if there's the SLIGHTEST chance they can make someone else pay they will. They WILL find out that Joe was picking up an Uber customer who cancelled, and they WILL find out that it was you. And if you try to go along with the lie, they very likely WILL file insurance fraud charges against you. In Georgia (where Mike works and I live), that's a felony with fines of up to $10K and up to TEN YEARS in prison.
Don't get cute. Their lawyers are better, smarter, and more committed to protecting their employers than you will EVER be.
What if your state has uninsured driver insurance?
What if you have uninsured motorist coverage?
If you order an UberX, XL or share, this guy is 100% right! You order a Lyft or Uber black and offer them cash, that driver is a professional with an LLC and commercial insurance. Know the difference!!! Uber and Lyft steal more than 50% of the fare and even when driving Black, it’s a race to the bottom.
Support local businesses by taking money away from billionaires in San Francisco and giving it to the people in nice black cars working to provide clean, safe rides to people.
But, in a separate video, you had also said that insurance covers the car -- not the driver.
(Auto insurance is such a scam, and it's pulling lawyers into the mud, too.)
Then again, ride-share apps/companies are also a scam. Like you said, once they take payment for their services, it becomes "commercial" driving, and requires a chauffeur license (which VERY FEW ride-share drivers have.)
I... I thought this was common knowledge and common sense....
It kinda pairs with the whole "dont get into a stranger's car"...
If you cancel the uber and still hop in, you've potentially just kidnapped yourself... Uber's evidence of you taking that ride is gone, as far as their system cares, you never existed, you've just hitchhiked, and are at all the same risks...
How tf have more people my age NOT gotten kidnapped if this is what they do...
I once hailed a Lyft driver … kept waiting and waiting … I could see they were close but not moving. I had to walk down the block to get their attention. It was not the driver whose picture was posted on the app, but it was his wife. The trunk was full of their personal stuff, so us 3 passengers had to carry our luggage on our laps. The woman ran a red light and if not for my awareness and quick reaction of grabbing the wheel and swerving to avoid a collision it would have been a nasty accident. She had no clue how to get to the airport because she actually lived about 2 hours south. I had GPS on my phone to guide her. After we got thru TSA I sent a email to Lyft Customer Service explaining how f’d up our experience was … I got a phone call from Lyft the next day apologizing, gave me a full refund and “credit” towards my next Lyft ride. The CS rep explained the husband was the only one who was supposed to be driving and violated Lyft guidelines regarding driver responsibility, keeping the car clean and having enough space to carry passengers and luggage … he got fired!!!
9/10 times, the driver wants to make money, so they'll keep the app open and not ask you to cancel after you're in the car.
There was one time an Uber driver did cancel mid-ride, but he kept driving. It was a day in April a couple years back when my grandmother on my father's side passed away. I was Ubering home to get there quicker than transit could get me there, and when the driver asked me how my day was going, I broke. Dude cancelled and I asked him why, and he said he didn't want me to pay full price (very kind of him but you don't get refunded if your driver cancels mid-ride. By doing that, your driver does forfeit their wages from that trip, so basically Uber itself takes the money).
Actually depends,
In the netherlands, official taxi drivers (blue licence plate) often use Uber for times when taxi (metered taxi) demand is low. Not 100%. Of uber drivers are licenced taxis, but a suprising large amount do.
These people are actually licenced taxis and they do therefore have coverage in these case, otherwise they can't be licensed.
And besides that, any emergency care in the EU, especially in your home country is covered by insurance. Health insurance will pay for that, it is mandatory to have health insurance here. Besides a few exceptions for religious groups, If you don't pay for your health insurance the goverment pays it for you and you get in debt to the goverment.
Disclaimer: even though i've done my research, i am not a legal professional and this is not legal advise
Oh, honey. Try googling what real life people who have been in Uber rides that got into accidents went through.
I'll give you a hint: even in legitimate rides, they're still not covered. So many horror stories out there of people's lives being ruined because Uber insurance failed.
This is true *in theory*. But in reality, insurance companies are evil and will do everything they can to avoid paying a dime. So fuck that noise because you'll be responsible for your own medical bills either way. Take the cheaper ride with a driver who won't run red lights and enjoy the $5 savings.
wait what!! i thought uber was the same thing as sharing your ride with someone, and that's why they don't need to hire their employees or pay them a living wage, but now you're telling me that that's commercial passenger transit, and they need commercial car insurance?
no way, it can't possibly be! i thought uber was just a dating app for people with cars to find people who need a ride, a social media platform, a virtual acquaintance-finder, if you will. but now you're saying they're actually profiting from running a taxi service without any of the normal regulations or expenses that typically apply to running a taxi service and keeping it safe? what a shock, what a surprise, how could a multi-billion dollar tech company deceive the public and regulators like this?
My bestie's sister got in an accident with her friend in the car. They both got injured the same. Lil sis was able to stay at home with her parents for 2 years while fighting for her insurance claims. Her friend had no one and had to go back to work injured.
Lil sis got her insurance payout, bought herself a house with it, got married, even bought a boat. Her friend is still broke renting a shitty apartment at 2024 rental rates and even more disabled after years of non-stop labour just to survive. Lil sus doesn't understand why her friend doesn't hang iut with her much anymore despite no being avke to afford a babysitter or even know her days off more than a week or 2 in advance because she can only manage a crappy shift job that treats her like dirt.
She's not disabled enough to be completely incapable of **any** work, so even with govt help, she's still forced to work as much as possible just to survive.
I had a couple of rides out of the app for a semester of college. I would drive uber back and forth from my college town to my hometown once a week. Came up to $200, my drivers only got $100. Told them I'd give them $150 if they drove me out of Uber and they would take me. Was it safe? No. But I did it and I'm fine
So, I can't speak for Uber, but I know that the delivery services like Doordash and UberEats require you to actually purchase and provide your own insurance, and it usually has to be commercial insurance. They don't provide insurance for their drivers. Uber/Lyft may be different, but I doubt it.
What if Joe does have commercial insurance?
Joe is classified as an independent contractor, why is Joe buying insurance from Uber?
To be an independent contractor would Joe need his own business license and commercial insurance?
When buying insurance from Uber, did Joe get an upfront rate?
Is Uber obligated to tell Joe how much the insurance costs, and it's limitations before Joe signs the policy?
When does Joe sign for the policy?
Is the rider actually the one buying the Insurance from Uber?
A lot of uber/lyft drivers ARE getting commercial insurance because they're required to by law. And, I'm almost certain I er/Lyft don't provide insurance to their drivers unless the driver pays extra (like through their rental car programs). I think this varies A LOT by state.
I might be missing something, but if an Uber driver ever asked me that, I would softly say that I’m going to pass and possibly ask them to just cancel the whole ride cause any driver asking me that would just feel so creepy and not right. No safety, no assurance-like a taxi driver coming to pick you up and saying “hey, instead of riding in the taxi, let me drive you in my personal car without any map or assurance they aren’t just kidnapping you 😂 awesome video as always brother 🔥