Police are warning the public about the insurance coverage-associated risks of ridesharing service Uber, according to South Carolina news reports.
Charleston police will hold “sting operations” to warn Uber drivers and possibly fine them after the service launched in Charleston weeks ago, according to The Post and Courier, which also reported that Uber intends to spend these fines for its drivers there.
Uber and other ridesharing solutions use smartphone apps to connect passengers and drivers. Drivers normally use their individual vehicles to drive passengers, raising questions with authorities over gaps in coverage and public safety.
Uber launched in Greenville, Columbia and Myrtle Beach on July 8. According to other news reports, ridesharing drivers in all of those cities could be stopped by police for warnings and citations.
Earlier this month, the state regulatory office for South Carolina auto insurance issued a consumer alert about ridesharing and the transportation ne2rk companies (TNCs) that offer you such services.
“Most standard personal auto policies include exclusions for livery—which usually means ‘driving for hire,’” according to the consumer alert. “Consumers need to read their policies meticulously, specifically the exclusions section of the policy.”
Under Uber’s auto insurance coverage, $ 1 million in industrial liability and uninsured/underinsured motorist coverage is in impact throughout the period from when a driver accepting a rideshare trip to the finish of that trip.
A driver’s private auto insurance policy applies to the period just before a rideshare trip starts, usually when the driver has the Uber app open but hasn’t but accepted a rider. Throughout this period, according to Uber, the company gives 50/25/25 in “back-up coverage coverage/when/if driver’s personal auto insurance coverage declines claim.”
A equivalent insurance coverage setup also exists at Lyft, another ridesharing firm.
Lyft announced alterations to its auto insurance coverage this month that tends to make its $ 1 million commercial policy the principal payer in case of a claim for incidents that occur for the duration of a ride. Previously, commercial coverage for that period was secondary, which means it would only kick in if an insurer denied a claim or a driver’s own policy limits were exhausted.
South Carolina Crackdown: Police Stings Target Ridesharing
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