7/25/2017 UBE R And Insur anc e Issue s/ Implic ations Dauphin - - PDF document

7/25/2017 1 UBE R And Insur anc e Issue s/ Implic ations

Dauphin Co unty Bar Asso c iatio n July 26, 2017

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Scott B. Cooper, Esquire

SCHMIDT KRAMER P.C. 209 State Street Harrisburg, PA 17101 717-888-8888 or 717-232-6300 scooper@schmidtkramer.com

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Why People Use Uber When They Have Taxis?

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Why Benefits?

 Less DUIs  Cheaper than parking  Less cars on road  Easier to park and find a ride (i.e.

Pittsburgh)

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How Ride-sharing Developed

 Limos/Livery  Taxi  Ride-share

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What Is Uber? Uber X? Lyft? Etc.

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User can track driver progress in real-time User is notified when driver is close to pickup location ETA displayed to user during trip

How Ride-Sharing Works: Uber

// DETAILED FLOW - DRIVER ARRIVING AND BEGIN TRIP 9

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Fare is displayed and user is prompted to rate ride experience If rating <= 3 star, user prompted to give reason User receives detailed receipt by email

$7.67

How Ride-Sharing Works: Uber

// DETAILED FLOW - RATING THE TRIP 10

What do drivers receive?

 Independent contractor v. Employee  Compensation  Schedule  Work environment  Independent boss

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Passenger Safety

 Background checks  Cannot Hail  Driver pictures  Drive license plate  Insurance minimums  Ratings of drivers

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SB 984 (Act 164 of 2016) Insurance Issues

 PIP 25K passengers/pedestrians (5K

drivers)

 $1 million BI old v. 500K new  $1 million UM/UIM old v. not mandatory  Not the same as taxis (35K)  PUC regulated  Closes the Stage 1 “gap” issue

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uberX RIDESHARING INSURANCE COVERAGE

'

• PERSONAL

AUTO INSURANCE PERSONAL AUTO INSURANCE + CONTINGENT LIABILITY COVERAGE $S OK *

INJUR Y

$1 00K*

INJURY TOTAL

$2SK*

PROPER TY DAMAGE

ENDS TRIP LOGGED ON AND AVAILABLE ACCEPTS TRIP 14

Exclusion Issues

 Most policies now exclude “TNC”  Ride-sharing policies generally are primary

to any personal policy only while on clock

 NO UM/UIM on personal policy

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Why Better Coverage Than Taxis?

 Pennsylvania is 35K total and ride-share is

500K

 Better regulated  Cleaner  Primary policy probably better coverage

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Company Standards Now

 Records Retention  No waiver of liability  Background checks  Vehicle Inspections  Random Audits  Wheelchair-accessible  Non-discrimination

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Additional Standards Cont’d

 Background checks  Service dogs  Drugs and alcohol zero tolerance  Reporting of accidents

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Thank you!

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