We are asking for Governor Cuomo to implement immediate change in current insurance law.
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June 29, 2017 marked the date when upstate and Long Island was given the Green Light for Ridesharing by Governor Cuomo.
Rideshare has created thousands of jobs for people who work full time as drivers or use Ridesharing as an excellent source of secondary income.
Rideshare has created a tremendous network of drivers who help drunk people stay off New York Suburbs and Upstate streets, and get back to their final destination safely or help elderly with groceries, or even assist people to and from hospital / doctor visits .
Driving for ridesharing companies has become progressively a more popular form of income for New York Suburban drivers. Companies such as Uber and Lyft have grown tremendously, nevertheless, New York laws and regulations are struggling to keep up especially the insurance companies who currently offer absolutely no Rideshare Gap insurance coverage for ridesharing in New York State Suburbs and Upstate New York.
Pursuant to New York’s ridesharing laws, Uber and Lyft’s Transportation Network Company Driver Partners (TNC Drivers) are covered by Uber and Lyft’s group ridesharing insurance while connected to the Digital Network.
(Insurance coverage taken directly from Uber's website)
(Phase 2 and 3) - While on a prearranged trip (on your way to pick up a rider and while a rider is in your car):
• $1.25 million of liability coverage per accident. Uber holds a group ridesharing insurance policy with $1.25 million of coverage per accident. A TNC Driver’s liability to third parties is covered from the moment a TNC Driver accepts a Prearranged Trip to its conclusion. This policy is expressly primary to any personal auto coverage.
• $1.25 million of supplementary uninsured/underinsured motorist bodily injury coverage per accident. In the event that another motorist causes an accident with a Transportation Network Company Vehicle (TNC Vehicle) and the motorist doesn’t carry adequate insurance or is uninsured, this coverage protects against bodily injury to all occupants of the TNC Vehicle. This is important to ensure protection in a hit and run.
• No fault coverage (e.g., Personal Injury Protection). This state required coverage protects all occupants of the TNC Vehicle for medical and health expenses, lost earnings, and other reasonable and necessary expenses resulting from vehicle related injuries up to $50,000.
• Contingent comprehensive and collision insurance. If a TNC Driver holds personal comprehensive and collision insurance, this policy covers physical damage occurring to that TNC Vehicle during a trip, up to the actual cash value or cost of repair, whichever is less, of the TNC Vehicle, with a $1,000 deductible. NOTE: This coverage only applies on a Prearranged Trip – you may want to consider purchasing your own comprehensive and/or collision insurance coverage for the times you are waiting for a trip request.
(Phase 1) App on, waiting for a trip request:
• $75,000/$150,000/$25,000 of coverage between trips. During the time that a TNC Driver is available to receive ride requests or is between trips, we maintain a group ridesharing policy that covers the TNC Driver’s liability for bodily injury up to $75,000 per injury per accident with a total of $150,000 per accident and up to $25,000 for property damage.
• Uninsured motorist bodily injury coverage per accident. In the event that another motorist causes an accident with a TNC Vehicle and the motorist is uninsured, this coverage protects against bodily injury to all occupants of the TNC Vehicle. This coverage provides up to $25,000 in injury liability per person ($50,000 per accident) and $50,000 per person for death ($100,000 per accident). This is important to ensure protection in a hit and run.
• No fault coverage (e.g., Personal Injury Protection). This state required coverage protects you for medical and health expenses, lost earnings, and other reasonable and necessary expenses resulting from vehicle related injuries up to $50,000.
• You are subject to state financial responsibility laws while offline. Uber does not maintain any auto insurance coverage during this period of time. You can learn more about these requirements from the New York Department of Financial Services.
Should you like to review a summary of Lyft’s Insurance Coverage Information please click below:
There are three phases when driving for Ride share and they are as follows:
Phase 1 – Waiting for a trip
Phase 2 – Accepting a Request and on the way to pick up the passenger
Phase 3 – Picked-up passenger in transit to destination.
We are currently not covered in phase 1.
PLEASE NOTE: This coverage is only for liability insurance; meaning it will only pay for any medical expenses suffered by someone else incapacitated in an accident, or any damage caused by you to other’s property UNLESS while on a prearranged trip (phase 2 and 3) (on your way to pick up a rider and while a rider is in your car).
NOTE: Uber’s website states: ” This coverage only applies on a Prearranged Trip – you may want to consider purchasing your own comprehensive and/or collision insurance coverage for the times you are waiting for a trip request. – This is unavailable to us since we do not have Rideshare insurance offered in the state of New York which would bridge the current gap.
The issue does not end here!
There has been a trend for insurance companies to not just deny claims for accidents that occur during rideshare work, but to also completely drop the driver from their policy.
We have contacted every major insurance carrier in the state of New York and we were told the following: Current policy is designed for personal use only.
Should we be caught with driving rideshare we could face immediate termination of our insurance policy (Being Dropped) or cancelled at next renewal (Denial of Renewal). Insurance companies are potentially exposing thousands of drivers to personal financial disaster.
We need to be heard by the insurance companies, because costs to repair your car and any personal medical costs could reach well into the thousands, and eat into earnings and savings.
Basically all the major insurance companies have some sort of policy regarding rideshare insurance. Unfortunately, the policies are not found in the entire state of New York and each individual Insurance company has stated there are no plans currently to add the rideshare insurance to bridge the current gap we are all facing.
We are asking for Governor Cuomo to implement immediate change in current legislation and force all insurance carriers in the State of New York to offer Rideshare Gap Coverage for suburban and upstate drivers to adequately and affordably protect the thousands of drivers in the State of New York who are not given the possibility by any insurance carrier to do so while making a honest living including placing an immediate stop with insurance companies either denying claims or dropping coverage alltogether.
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