Money Legal Help - Page 2

Reroka · 05-19-2022, 12:23 PM

Quote:

Originally Posted by SupDock

Typically you need to inform your insurance that you will be driving. They need to add it to the policy, otherwise you will not be covered. I had a friend who was hit by a DoorDash driver. They did not inform their insurance, so they were basically an uninsured driver

This is correct, I have a rideshare endorsement.

Which covers me as secondary insurance but if I have a passenger in the car and an accident then Lyft's policy is the only one unless I am hit then then its the other person insurance if they have any.

Sassy Squatch · 05-19-2022, 12:24 PM

Quote:

Originally Posted by SupDock

Typically you need to inform your insurance that you will be driving. They need to add it to the policy, otherwise you will not be covered. I had a friend who was hit by a DoorDash driver. They did not inform their insurance, so they were basically an uninsured driver

Wow. That's ****ing shitty.

Reroka · 05-19-2022, 12:31 PM

Quote:

Originally Posted by Superturtle

Wow. That's ****ing shitty.

Yes it is,

but in 10 months I was able to pay off 60k in debt and I am now debt free.

KCUnited · 05-19-2022, 12:23 PM

Quote:

Originally Posted by Superturtle

Huh. Is that common for those services like Lyft and Uber? You'll have a separate insurance policy contingent on whether you're working or not?

Once you start using your vehicle to make money, you're a business, so your basic personal auto policy won't provide coverage during those windows of time.

Reroka · 05-19-2022, 12:34 PM

Make this clear, I was not a fault and I have informed my insurance that I do this and have the rideshare endorsement on my policy on all 4 of my cars.

DRU · 05-19-2022, 12:42 PM

Quote:

Originally Posted by Reroka

Hey all, I need some advice,

As you all know I posted I was in an accident in April, I was driving a passenger for lyft. Lyft insurance deductible is 2500.00 and since I had a passenger my insurance will not come into play.

I am going to take the driver to court and ask for 10,000.00, that amount included the damage to my car, lost wages, court fees, and car depreciation. My questing is may I include the owner of the car in my lawsuit? The driver and the owner are two different people.

"I was driving a passenger for lyft."

"I am going to take the driver to court..."

Huh??

Reroka · 05-19-2022, 12:44 PM

Quote:

Originally Posted by DRU

"I was driving a passenger for lyft."

"I am going to take the driver to court..."

Huh??

The drive who hit me, sorry,

The driver rear-ended me.

Imon Yourside · 05-19-2022, 12:47 PM

Quote:

Originally Posted by Reroka

The drive who hit me, sorry,

The driver rear-ended me.

At least it wasn't Billay

**DaFace** · 05-19-2022, 12:50 PM

I guess I'm confused why Lyft's policy wouldn't apply. They specifically call out uninsured motorist coverage in their online docs:

https://help.lyft.com/hc/e/all/artic...rty%20coverage

Reroka · 05-19-2022, 01:02 PM

Quote:

Originally Posted by DaFace

I guess I'm confused why Lyft's policy wouldn't apply. They specifically call out uninsured motorist coverage in their online docs:

https://help.lyft.com/hc/e/all/artic...rty%20coverage

Yes but the deductible for that is still 2500.00

So again may I go after the car owner and driver to get the money I paid plus lost wages? or just the driver?

DJ's left nut · 05-19-2022, 01:27 PM

Additionally, it still kinda seems like you may want to submit it through lyft, deal with having to pay your deductible and then see what you can due to pursue the deductible itself. Most carriers will pursue subrogation for something like that on your behalf and save you that headache but if what they're out of pocket is pretty deminimis they may not bother (unless your policy mandates that they do so).

Having an amount that's been 'liquidated' is just easier. If you can demonstrate 'look, I'm out exactly the $2,500 for my deductible' that's going to be easier than proving up your lost wages, diminution in value, etc... as those amounts can be pretty speculative.

ping2000 · 05-19-2022, 01:30 PM

Hire a hitman.

Reroka · 05-19-2022, 01:33 PM

Quote:

Originally Posted by ping2000

Hire a hitman.

Would love to but the kid who hit me is Black and If I did that I would be labeled as a racist.

scho63 · 05-19-2022, 01:38 PM

Why would your insurance policy NOT pay for getting hit by an uninsured motorist?

Whether you were hauling lumber or driving a passenger, that does NOT alleviate the guilt of the 3rd party who hit you.

If your insurance company then drops you or jacks up your premium later, that is a separate issue.

DJ's left nut · 05-19-2022, 01:42 PM

Quote:

Originally Posted by scho63

Why would your insurance policy NOT pay for getting hit by an uninsured motorist?

Whether you were hauling lumber or driving a passenger, that does NOT alleviate the guilt of the 3rd party who hit you.

If your insurance company then drops you or jacks up your premium later, that is a separate issue.

Policy exclusions.

For instance, if I took on Mr. Reroka's case here and ****ed it all up, it may be the same kind of case I've done under my policy 100 different times, but I'm not operating within the course of my duties for my law firm and as such, if Reroka's sues me, my malpractice carrier won't stand in because I was out there freelancing and have policy exclusions that specifically prohibit it.

And let me tell you how much I enjoy those exclusions every time I have a family member or friend (or family member's friend) say "Hey, you're a lawyer - can you...."?

05-19-2022, 12:34 PM	#5
Reroka Veteran Join Date: Dec 2018 Casino cash: $5280400	Make this clear, I was not a fault and I have informed my insurance that I do this and have the rideshare endorsement on my policy on all 4 of my cars.
Posts: 2,245

05-19-2022, 12:50 PM	#9
DaFace Kind of a mod Join Date: Aug 2005 Location: Donkey Land Casino cash: $1876899	I guess I'm confused why Lyft's policy wouldn't apply. They specifically call out uninsured motorist coverage in their online docs: https://help.lyft.com/hc/e/all/artic...rty%20coverage
Posts: 51,878

05-19-2022, 01:27 PM	#11
DJ's left nut Sauntering Vaguely Downwards Join Date: Sep 2005 Location: Columbia, Mo Casino cash: $2849099	Additionally, it still kinda seems like you may want to submit it through lyft, deal with having to pay your deductible and then see what you can due to pursue the deductible itself. Most carriers will pursue subrogation for something like that on your behalf and save you that headache but if what they're out of pocket is pretty deminimis they may not bother (unless your policy mandates that they do so). Having an amount that's been 'liquidated' is just easier. If you can demonstrate 'look, I'm out exactly the $2,500 for my deductible' that's going to be easier than proving up your lost wages, diminution in value, etc... as those amounts can be pretty speculative. __________________ "If there's a god, he's laughing at us.....and our football team..." "When you look at something through rose colored glasses, all the red flags just look like flags."
Posts: 60,638

05-19-2022, 01:30 PM	#12
ping2000 Changes pants while driving Join Date: Nov 2001 Location: Washington D.C. Casino cash: $5750495	Hire a hitman.
Posts: 15,790

05-19-2022, 01:38 PM	#14
scho63 Politically Incorrect Join Date: Feb 2009 Location: Scottsdale, AZ Casino cash: $2621110	Why would your insurance policy NOT pay for getting hit by an uninsured motorist? Whether you were hauling lumber or driving a passenger, that does NOT alleviate the guilt of the 3rd party who hit you. If your insurance company then drops you or jacks up your premium later, that is a separate issue. __________________ *"The only difference between sex for free and sex for money is that sex for free costs you a WHOLE LOT more!"* ~Redd Foxx~ ~~2018 2019 2020 20212022 2023~~ 2024 Adopt a Chief - Clark Hunt and Brett Veach "The men who drafted Patrick Mahomes"
Posts: 50,624