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Friday, November 9, 2018

Does your insurance cover you for Uber, Lyft, Electric Scooters, or Food Delivery???

Life just got more complicated --- again!

John Nesbitt, Claims Specialist with Swiss Re Corporate Solutions tells us "Personal auto insurance has always been more complicated than most policyholders realize. It has always evolved somewhat over time, but with the advent of ride-sharing services leading many individuals to use their personal automobiles for income, the insurance industry has had to react and adapt quickly. These nuances have only become more complicated as the ride-sharing concept expanded to more extensive food delivery options.

And now? Electric scooters available for rent for use on public streets create new questions about whether users are insured and by whom. With the impending transition toward self-driving cars, the questions facing the personal auto insurance industry will only become more complex."

The bottom line is that most of the Ride-Share services provide some limited coverage for their drivers, but it is contingent on the driver having their own personal auto insurance coverage.  But the driver MUST notify the personal auto carrier that they are providing the ride-share service.  Some Insurance Companies have a zero tolerance for ride-sharing and will cancel you, but other Companies are more tolerant. Be sure you have the right coverage, and always read the fine print, because personal auto policies mostly will specifically exclude coverage during ride-sharing, which would be claimed against the Ride-Share company.  A commercial insurance policy may be required for your protection.

Food delivery services, grocery stores, delivery services are expanding their areas and are utilizing drivers in personal vehicles.  Similar to ride-sharing, using your personal vehicle for deliveries for which you are paid, is viewed as a commercial business which may void or produce gaps in your insurance coverage. Talk to your Trusted Choice agent!

Electric scooters are becoming the rage in some areas and can be used to go between different locations at up to 15 miles per hour!  As you can imagine, there can be accidents which will not be covered under your personal auto policy for liability protection.

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Denise Russell, Melissa Moran, Alex Treutel,  Anne Gillam, Ashlie Moody, and Whitney Zimmerman Webb at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: , phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook , or Twitter ! We now have Gulf Coast locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.
Insurance is stressful, but we make saving easy.  We help you save money on insurance!
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