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Comment by labster | Hacker News Reader

Why would anyone care if an undocumented immigrant drove your uber? As long as they're licensed and insured, they're just as qualified as any other driver.

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There's no way any insurance company providing the kind of commercial insurance you need to drive for Uber would be okay with a driver using someone else's Uber account, immigrant or otherwise.

The finger-pointing likely to result from an incident would make this driver as good as uninsured.

Interesting story but someone I work with was actually severely rear-ended by an Uber driver heading to the airport, and she said the driver's insurance wouldn't cover the driver because the driver was acting as an Uber driver at the time of the accident. Don't know the insurance co., but I definitely remember being shocked by the fact that they wouldn't cover the driver for that reason

Commercial insurance is whole different ball game than personal insurance. Personal insurance typically doesnt cover commercial use. Driving for Uber is a commercial activity.

I guess uber has an insurance policy that covers their drivers during rides now, so hopefully that kicked in to take care of your friend.

Everyone should read their insurance policies to know their exclusions.

Note that most insurance providers won't cover drivers who have used their car to drive for Uber, regardless of whether they're driving for Uber at the time of the incident. Uber may cover you if you're on a trip, but it's up to you to make sure you have the right insurance plan (which usually means paying a nominal surcharge to your insurance provider in the US) to have insurance the rest of the time.

> covers their drivers during rides now

In the US. It's not clear if they have this anywhere else.

Well yeah, of course - my car insurance specifically doesn't cover commercial activity in my car(as well as going off road, racing or track use), so if I started driving for uber I'd be 100% uninsured until I got commercial insurance.

I think that was one of the greatest lies of Uber at the start "just drive your car for money in your free time!" - that's all great, but no private car insurance would cover you while doing that.

And then Uber offered insurance, as an appeasement, which for the longest time (still is?) third party liability only.

Total your vehicle? Personal insurance won't touch it, and the Uber coverage you thought you had is useless.

I'm shocked that you are shocked. Driving commercially is an entirely different risk profile.

The only way for commercial drivers to be covered by the same policy is to price the risk of an unknown number of commercial drivers into everyones policy.

Commercial insurance covers a combination of driver and car. You can get insurance for someone to drive a car that they don't own as part of a contract (e.g. with Uber) that they did not directly sign or benefit from.

All you have to do is be upfront about it, and willing to pay.

Yes, it does cost more to cover employees as opposed to owner/operators of a business venture, but it it is not impossible (if it were taxis would not be able to exist).

What is probably true is the default insurance given out by Uber will not cover people not listed on the policy, and only the person contracted with Uber is listed on the Uber-backed policy.

Its impossible to insure "employees" when said "employees" are not licensed to operate a motor vehicle.

When I hire an Uber I expect my uber driver to be vetted by Uber?

Beyond that

People driving under other people's Uber accounts don't have a license or are otherwise ineligible to drive for Uber (criminal, underage, etc) otherwise they'd get their own Uber account. Uber literally pays people to sign up as drivers - there's no legitimate reason to drive under someone else's Uber account.

Commercial Insurance would probably exclude coverage for any incidents that happen when an unlicensed driver is using someone else's Uber account.

At least in Texas, illegal immigrants cannot get insurance (for themselves) or a driver's license.

Twelve states and D.C. allow illegal immigrants to acquire drivers licensees [0]. Washington State was the first one in the early 90s, but the list also includes the boarder states of California and New Mexico. I would imagine if a state will issue a drivers license then someone has to be selling insurance, otherwise the license is moot as their would be no legal way to drive.

[0] https://immigration.procon.org/view.resource.php?resourceID=...

Texas is not on that list though.

I care because it is a lie and manipulation.

Business done without a solid basis is often high risk. That risk unlikely to be worth it.

Finally, as a basic matter of principle, I do not do business with people who are dishonest.

Doing that is on par with debating liars.

Under someone else's account? How exactly would they be insured in that situation?

It's also IRS fraud, there is no background check, the list of issues with this is just huge.

There are plenty of reasons to care - undocumented people are a legal liability for both the passenger and Uber.

Does insurance cover when illegal immigrant drive the car?

Not if the driver is not the claimed Uber-booked driver.

1) Some people would care because they think undocumented immigrants are subhuman. 2) Other people would care because Uber is sketchy enough with out random sub-sub-sub contractors being added into the mix, regardless of their immigration status. 3) Still other people would be bothered by the obviously minimal pay a sub-sub-sub....sub-contracted undocumented immigrant would be paid.

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