STREAMING NOW: Watch Now

Uber driver involved in crash warns other drivers of insurance loophole

Article Image

Click here for updates on this sto...

Posted: Aug 20, 2019 10:48 AM

Click here for updates on this story

    Nashville, TN (WTVF) -- An Uber driver involved in an accident while on the clock is being forced to pay thousands of dollars to fix her car, and she said the reason is a loophole other rideshare drivers need to know about.

Jennifer Reed has been driving for Uber for about a year to make extra money while she pursues her dream of becoming a Pilates instructor.

Last week, she was waiting to pick up a rider, when she rear-ended another car on I-40 near the Nashville International Airport. The result was a few bumps and bruises, and damage to the front and side of her car. Her airbag also deployed, and her seat belt is now broken.

She reported the accident to her personal insurance company only to learn she wasn’t covered.

“They said as soon as I turn on my app, my personal insurance turns off because my car is considered a business,” said Reed.

On Uber’s website, the company says it provides insurance to every driver. Reed reported her accident through the Uber app, only to find out the company’s insurance wouldn’t cover her either.

“Their reason was I didn’t have anyone in the car,” said Reed. “The whole reason I was in the car was to drive for Uber. What is the point of having insurance if they don’t protect you?”

Reed said she has struggled to get any clear answers from Uber, and she fears she isn’t the only rideshare driver to be a victim of this type of situation.

“Other Uber and Lyft drivers need to know there is a gray area that you can fall into, and this can set you back thousands of dollars,” said Reed.

Uber states its insurance policy for drivers on its website. It says if a driver is in an accident and is not using the Uber app, their personal insurance will apply. However, if a driver is available or waiting for a ride request and is involved in an accident where they are at fault, Uber offers third party liability insurance to cover bodily injury and property damage. This only covers damage to another person or another vehicle. If the driver is en route to pick up riders or is on a trip, Uber will cover third party liability, and damage to the driver’s vehicle subject to a $1,000 deductible.

Reed was forced to pick up another job to help make ends meet, and said she feels both insurance companies have taken advantage of her. She added Uber needs to clarify its policy so drivers fully understand what is covered.

“It’s unfair. It’s criminal and they are shirking their responsibilities,” said Reed.

For more information on Uber’s insurance policies visit: uber.com/us/en/drive/insurance

Please note: This content carries a strict local market embargo. If you share the same market as the contributor of this article, you may not use it on any platform.

Oregon Coronavirus Cases

Data is updated nightly.

Confirmed Cases: 3967

Reported Deaths: 148
CountyConfirmedDeaths
Multnomah105258
Marion91425
Washington69817
Clackamas29610
Deschutes1200
Linn1159
Umatilla1123
Polk9610
Lane672
Yamhill667
Jackson600
Benton555
Clatsop450
Klamath410
Coos310
Malheur280
Josephine251
Douglas250
Jefferson240
Wasco181
Columbia160
Hood River120
Morrow120
Lincoln90
Tillamook60
Crook60
Curry60
Union60
Wallowa20
Sherman10
Grant10
Harney10
Baker10
Unassigned00
Eugene
Few Clouds
51° wxIcon
Hi: 81° Lo: 53°
Feels Like: 51°
Corvallis
Clear
49° wxIcon
Hi: 82° Lo: 53°
Feels Like: 49°
Roseburg
Clear
58° wxIcon
Hi: 86° Lo: 58°
Feels Like: 58°
North Bend
Overcast
52° wxIcon
Hi: 66° Lo: 51°
Feels Like: 52°
KEZI Radar
KEZI Temperatures
KEZI Planner

LATEST FORECAST

Community Events