The rationale for the car-pool exclusion is in part that such use does not increase the insurance companies exposure due to extra driving or driving in worse conditions. The rationale for non-coverage of ride-for-hire is that the practice significantly increases the insurance company's risk, hence the special rate for Lyft drivers. Waze is different in that the driver was probably going that way anyway, and they aren't doing it for profit. But obviously, Waze Carpool is not exactly the same as Lyft: the question is whether the similarity is crucial to the rational behind the exclusion. Waze Carpool is more like a public conveyance, where the vehicle is used indiscriminately to transport the public, not limited to certain persons or occasions, so might be excluded on those grounds. It is the same as Lyft / Uber in that you contact a central facility ad libitum to get a ride from a semi-random driver. It is hard to say, because Waze Carpool has some of the elements of a "for hire" arrangement while generally being like a conventional car pool. This exclusion (1.) does not apply to a share-the-expense car pool. Loss to "your covered auto" or any "non-owned auto" which occurs while it is being used as a public or livery conveyance.PART D - COVERAGE FOR DAMAGE TO YOUR AUTO Exclusions This exclusion (B.2.) does not apply to a share-the-expense car pool. While "occupying" "your covered auto" when it is being used as a public or livery conveyance.We do not provide Uninsured Motorists Coverage for "bodily injury" sustained by any "insured:" PART C - UNINSURED MOTORISTS COVERAGE EXCLUSIONSī. This exclusion (2.) does not apply to a share-the-expense car pool. Sustained while "occupying" "your covered auto" when it is being used as a public or livery conveyance.We do not provide Medical Payments Coverage for any "insured" for "bodily injury:" PART B - MEDICAL PAYMENTS COVERAGE Exclusions Waze Carpool considers itself “…a fresh way to share the road and the cost of commuting”, emphasizing that it's a way to “ Share the cost of gas and tolls”… but do insurance companies agree? Several Reddit threads ( /r/wazecarpool, /r/Insurance) have put forth the idea that it'd qualify, but nobody's actually confirmed it. But has Waze Carpool per se been tried, and, if so, found lacking in this? I know there's a broad precedent already in-place for what this sort of carpool definition may encompass. the policy is conventional in that it does cover accidents that occur during so-called "share-the-expense" carpooling.) (b) Any other four-wheel motor vehicle with a load capacity of one thousand five hundred (1,500) pounds or less which is not used in the occupation, profession or business of the named insured, other than farming: Provided, That the term "policy of automobile liability insurance" shall not include policies of automobile liability insurance (1) issued through the Kansas automobile assigned risk plan, (2) insuring more than four automobiles, nor (3) insuring the automobile hazard of garages, automobile sales agencies, repair shops, service stations or public parking places.Every instance of the word "livery" in my insurance policy's exceptions list is followed by an exemption for "share-the-expense" car pools (i.e. (a) A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others Cancellation of automobile liability insurance definitions.Īs used in this act: "Policy of automobile liability insurance" means a policy insuring against the liability of the insured for the death, disability or damages of another and against loss or damage to the property of another, arising from the use of an automobile that is issued to cover the following types of automobiles owned by an individual or by husband and wife, including automobiles hired under a long term contract and written on a specified car basis:
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