It’s summer, which means many of us are opting to find creative, less expensive ways to get to the airport. Personally, I’m in the minority among my friends when it comes to ride-hailing services like Uber. Why? I know too much about the insurance pitfalls, and can’t help but think about what might happen in the off chance that me or my family member might get injured as an Uber passenger.
Several days ago at a friend’s BBQ, I ran into one of my favorite neighbors who told me not to hug her too hard because she was involved in a horrible car accident with an Uber driver. When I asked her who was going to help her pay her medical bills, her response: “Good question. We’re still trying to figure that one out.”
This is one of the many problems that I have with ride-hailing services: They’re trying to have their cake and eat it too. Why is it that they have escaped regulations and yet can exploit loopholes by calling themselves an “app” provider? They are quasi-taxi services, that have somehow figured out how to avoid the massive fees like medallions that hard-working taxi-drivers must deal with. Despite the many headlines that keep popping up about Uber tragedies, where lack of insurance persists as a critical issue, people are willing to turn a blind eye because they think they’re saving money.
True: In California, Washington and other states, we are seeing more laws pass to address the insurance coverage gap. Thank goodness. But this still doesn’t make things as straightforward as if you were injured in a taxi or your friend’s car. Many Uber drivers have still not disclosed to their insurance companies that they derive some of their income as ride-hailing drivers. Ooops. What do you think their insurers will say, when they find out after their insured gets into an accident with some injured passengers?
Is it worth it, if you find yourself in an accident as an Uber passenger or in a car that an Uber driver hits while it’s carrying Uber passengers? Think long and hard the next time you want to use that clever app. Please.