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DD‚ÄčI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

My Blog

Blog

UBER Driving

Posted on December 29, 2016 at 7:45 AM Comments comments (139)
UBER Driving, am I covered?

The simple answer, NO!
Even if your insurance company has an endorsement for UBER driving allowance, there is no coverage while using your vehicle in a commercial manor.

Your personal auto policy excludes any commercial use of your vehicle.  Some examples of commercial use? including but not limited to;
Uber, LYFT
Pizza or Newspaper delivery
Car pool for hire, driving passengers for a fee, including school children, doctor visits. If no fee or consideration exists there may be coverage.
Snow plowing

Another important note, these exposures can void your coverage even if the accident happens when you are not performing them.

"I was driving to my regular job, or running to the store, when the claim happened, this is my own personal use".  True, but the fact that you have the commercial exposure, at any time, still violates the contract of a personal policy and can be the basis on which a claim is denied.

So, before considering the extra money you may make, check your policy and speak with your insurance agent, (if they do not give this same answer, speak with another agent, please) and find out the cost of changing your insurance policy to a commercial one.

Remember, nothing is a "good deal", if it doesn't work, and your insurance policy needs to "work" for you.

School Dropoff

Posted on September 9, 2013 at 10:09 AM Comments comments (43)
School Dropoff ?  You may not be covered!
 
Taking my grandson to school this morning I saw a van pull up with a logo that said they were a school shuttle service.
 
Nice service for busy or working parents.
 
With charter schools and school of choice programs, I am sure this is a growing market.
 
The Insurance Agent in me, thought nice, I wonder if they are insured properly?
 
What do I mean? Well many times I find that you either did not tell your agent, the many uses of your vehicles or maybe they didn't ask on know how to advise you.
 
There are many ways a vehicle can be considered Commercial Use, and carpooling, school drop off (besides your own children) are among them.
 
If there is any compensation, even $5 for gas,  for taking other peoples children to school, or delivering passengers in any way, (referred to in Insurance as Public Livery), your vehcile liability policy can be void and a claim denied.
 
Not just the damage to your vehicle, which can be replaced, you could be personally liabile for those children and thier injuries.
 
You got the kids to school and then stopped at the grocery store, a fender bender in the parking lot and Mrs. Smith in the other car has whiplash. That claim can be denied. Your claims adjuster will ask you how you use your vehicle, and when there is any Commercial use, they may decide you were insured improperly.
 
Even something as simple as newspaper delivery, part time, can jeopardize your personal auto policy coverages.
 
Make sure you talk to your agent, don't settle for a quick auto quote that only promises to save you money.
 
You aren't saving money by buying the wrong policy.