Originally Posted by
Sid Burgess
Minimum liability and proof thereof is required. Not sure why you think Uber's own policy would be required proof inside the vehicle. Uber isn't covering minimum liability, which is what the state requires.
Originally Posted by
Pete
Yes, there are minimum requirements, and not just insurance.<snip>
We've come full circle.
My original question...does Uber require commercial insurance and do they require the insurance provider to notify them of changes or cancellation?
From the article I linked:
Broadly speaking, there are two kinds of car insurance: the personal policies we all (should) have for our private cars, and commercial policies that cover vehicles in the use of a business. Your personal policy probably has a line that says you can’t drive your car for commercial purposes. If you take your minivan out to ferry strangers around town for cash, and you get in an accident while doing that, your insurance company will likely refuse to pay out. For this reason, a pizza delivery guy who drives his personal vehicle is covered by the pizza company’s insurance policy while he’s working. And a cab driver, even if he owns his own vehicle, has to take out a commercial policy to cover it.
What that likely means for us and Uberx drivers, the personal insurance and certificate doesn't mean anything to anyone and is proof of nothing if they are ferrying people for hire. That driver does not comply with the law. They are an uninsured motorist. Worse yet, they are an uninsured motorist for hire.
If the claim (as Uber implies and has some of the media parroting) Uber is going to provide coverage for those instances where their drivers don't have commercial policies, then they need to provide a certificate showing coverage for the particular vehicle per the Oklahoma law. At a minimum, they should make it crystal clear what they are and aren't providing and quit muddying the water by having total disclaimers in their TOS and then issuing white papers about some nebulous coverage they might provide in some circumstances.
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