oldyoungguy
New Member
- 9
A left-turn Uber car caused an accident last Friday, 6 days ago. The left-turn car hit a fast-lane car and push it to the slow lane on which I was driving. My car was damaged and towed in this accident. The left-turn car was insured by 2 insurance companies: Geigo (G) for personal use, and LibertyMutual (L) for Uber driving. At the accident, he is driving with a Uber customer. Luckily, there is no serious injury. Only the Uber car's airbags were deployed and no injury from this car. Three cars were towed. Uber car is a Volkswagen, my car is a 2011 Toyota Camry, and the fast-lane car is a Toyota SUV. All cars look similar in age.
Uber's insurance policy is this:
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En route to pick up riders and during trips
Uber maintains the following auto insurance on your behalf in case of a covered accident:
Somehow L is still not sending me a rental request but I really need a car. We have three working people here. We only have one car now. L agrees allowing me to rent a car by myself now and reimburse me later if they take the liability. Some advice tells me to be careful to rent personally because the rate is different, the cost will be high, and there are three cars involved. In the end, Uber's insurance limit may not be enough to cover all expenses. Based on the above insurance policy and the information about this accident, do you think the $1M is enough or not? My car total maybe $13K. Fast-lane car total maybe $20K. The Uber car's total maybe $25K. Plus rental car cost and other costs. It should be enough, right? How many can be used as damage compensation, and rental car fees from the $1M?
Another question: If the car is used as Uber at the moment of the accident, G will never pay anything doesn't matter if L's limit can cover the cost or not?
Uber's insurance policy is this:
-----------------
En route to pick up riders and during trips
Uber maintains the following auto insurance on your behalf in case of a covered accident:
- $1,000,000 third-party liability
- Uninsured/underinsured motorist bodily injury and/or first-party injury insurance²
- Contingent comprehensive and collision³
- Up to actual cash value of car with a $2,500 deductible
Somehow L is still not sending me a rental request but I really need a car. We have three working people here. We only have one car now. L agrees allowing me to rent a car by myself now and reimburse me later if they take the liability. Some advice tells me to be careful to rent personally because the rate is different, the cost will be high, and there are three cars involved. In the end, Uber's insurance limit may not be enough to cover all expenses. Based on the above insurance policy and the information about this accident, do you think the $1M is enough or not? My car total maybe $13K. Fast-lane car total maybe $20K. The Uber car's total maybe $25K. Plus rental car cost and other costs. It should be enough, right? How many can be used as damage compensation, and rental car fees from the $1M?
Another question: If the car is used as Uber at the moment of the accident, G will never pay anything doesn't matter if L's limit can cover the cost or not?