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Sunday March 26th 2023

By March 27, 2023Food for thought

Still unable to drive because of yesterday’s accident. Sundays are usually $150.00 days. I started a claim with my own personal progressive insurance and I only have 50K uninsured motorist coverage on my personal coverage Uber not only has a crazy $2500.00 deductible, but they also no longer have any uninsured/underinsured motorist coverage and the police report says “NONE” under the auto insurance portion of the police report. There were 2 passengers in my car during the accident so Uber insurance will take over, the way It seems, there will be no UM coverage at all. The Uber insurance only pays the actual cash value of my vehicle which is very probably very low. I bet that amount is not hyper-inflated but the cost of a new car for me to drive for Uber will be. I don’t even know if my personal UM coverage will even come into play here, so there looks like there is no UM coverage for me as the driver. So Uber insurance is exactly like Lyft’s insurance now the Same exact provider (progressive) a high deductible of $2500.00 that I don’t have, will have to borrow a credit card to pay it because Uber driving pays very little. For that high deductible, there is no UM coverage at all for the driver and their insurance will probably want to total Ruby/my car because it has high mileage. The only good thing is because Uber driving is my primary source of income, I opted for the optional “driver-only coverage” so because my back is hurting, I called to get a claim number for them Uber has been taking about 4 cents per mile I drive from every trip since 2021 when I first learned the coverage was available. The lady I spoke with took the report number and everything on the police report except all the passengers in the vehicle that hit me, and then she gave me a reference number and told me someone will contact me tomorrow to give me a claim number. I was like wait, you just took all that information from me, and you are not going to give me a claim number (it is Sunday) so I can go get medical care now. The lady was like someone will contact you tomorrow and give you a claim number. So I will wait until tomorrow to get medical care under that claim number because it is no deductable coverage.