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Uber as main transportation (getting rid of car) (1 Viewer)

According to a Zipcar spokeswoman, Colleen McCormick, the $300,000 in coverage has been adequate for every accident since it began operations. She added that more than half of accidents involve only the Zipcar vehicle itself. When another car is involved, 93 percent of the accidents have resulted in claims of less than $10,000, and 99.3 percent result in claims of less than $50,000.

http://www.nytimes.com/2011/04/23/your-money/23money.html?_r=0

 
matttyl said:
But not the driver.
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If someone lets you drive their car then the car owners insurance pays for the damages (in CA). I ran into this problem since I bumped into a car that stopped suddenly and I wasn't even allowed to use my own insurance to pay for the damage.

 
Christo said:
According to a Zipcar spokeswoman, Colleen McCormick, the $300,000 in coverage has been adequate for every accident since it began operations. She added that more than half of accidents involve only the Zipcar vehicle itself. When another car is involved, 93 percent of the accidents have resulted in claims of less than $10,000, and 99.3 percent result in claims of less than $50,000.

http://www.nytimes.com/2011/04/23/your-money/23money.html?_r=0
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Saw that article as well.  In the insurance world, $300k is pretty low (the article you posted even says so).  I honestly didn't know that zipcar includes insurance (which is kinda weird to me), but it's cool that it does - even it's it's pretty low. 

That coverage, though, would do nothing for me if I happened to be driving a non zipcar - say a friend's car home from a bar, or their truck that I borrowed to move stuff.  The vehicle itself may have coverage, but I as the driver wouldn't. 

 
matttyl said:
Saw that article as well.  In the insurance world, $300k is pretty low (the article you posted even says so).  I honestly didn't know that zipcar includes insurance (which is kinda weird to me), but it's cool that it does - even it's it's pretty low. 

That coverage, though, would do nothing for me if I happened to be driving a non zipcar - say a friend's car home from a bar, or their truck that I borrowed to move stuff.  The vehicle itself may have coverage, but I as the driver wouldn't. 
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You would if your friend has insurance and you had permission to drive. As I said, car insurance follows the car.

 
matttyl said:
Saw that article as well.  In the insurance world, $300k is pretty low (the article you posted even says so).  I honestly didn't know that zipcar includes insurance (which is kinda weird to me), but it's cool that it does - even it's it's pretty low. 

That coverage, though, would do nothing for me if I happened to be driving a non zipcar - say a friend's car home from a bar, or their truck that I borrowed to move stuff.  The vehicle itself may have coverage, but I as the driver wouldn't. 
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:no:

https://www.esurance.com/info/car/myth-car-insurance-follows-the-driver

Contrary to popular belief, in case of an accident, car insurance follows the car — not the driver. So if you lend your car to a friend or a visiting relative, you could be liable if an accident occurs.

Even if your friend has great coverage with the highest limits and the lowest deductibles, your car insurance would have to cover the damages if your friend got into an accident while driving your car.
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gianmarco said:
Exactly.  Which is why he wouldn't need insurance since "it doesn't follow him".  If he's driving a buddy's car, as long as they have insurance for the vehicle, he's fine.
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I pretty sure that isn't correct - and just had it verified by the P&C (property and casualty) agent in my office.  If I don't have an auto policy, and I borrow a friend's car (and they have coverage on the car) and I'm at fault for an accident - my buddy's car is covered - but I personally have no coverage.  If I injure another person, my friend's policy won't (or at least shouldn't) cover that.

cstu said:
If someone lets you drive their car then the car owners insurance pays for the damages (in CA). I ran into this problem since I bumped into a car that stopped suddenly and I wasn't even allowed to use my own insurance to pay for the damage.
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I assume the only damages were to vehicles.  The vehicles have coverage. 

All this could be state to state specific, though - I'm in Virginia.

 
matttyl said:
I pretty sure that isn't correct - and just had it verified by the P&C (property and casualty) agent in my office.  If I don't have an auto policy, and I borrow a friend's car (and they have coverage on the car) and I'm at fault for an accident - my buddy's car is covered - but I personally have no coverage.  If I injure another person, my friend's policy won't (or at least shouldn't) cover that.

I assume the only damages were to vehicles.  The vehicles have coverage. 

All this could be state to state specific, though - I'm in Virginia.
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You should click on the link I provided.  In most cases, the owner of the car is responsible for all damages, including personal injury.  If the damages exceed the coverage of the car, then the OWNER of the car could be sued.  Now, that owner can then turn around and sue the uninsured driver, but either way, you are still able to drive a friend's car without insurance as long as you are given permission to do so and would not be directly responsible for any damage or injuries. 

 
I found another link and you might be right.  Crazy stuff.  I guess it's all in the "permission from the owner of the car" thing.  Personally, I'd never let an uninsured driver (even if licensed) drive my car.  Anyway, didn't mean to derail the conversation, carry on.

 
gianmarco said:
You should click on the link I provided.  In most cases, the owner of the car is responsible for all damages, including personal injury.  If the damages exceed the coverage of the car, then the OWNER of the car could be sued.  Now, that owner can then turn around and sue the uninsured driver, but either way, you are still able to drive a friend's car without insurance as long as you are given permission to do so and would not be directly responsible for any damage or injuries. 
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I learned the hard way that it's not worth it to borrow someone's car. I had insurance but even for a tiny thing like a new bumper cover on the other person's car (I paid for the repair on the car I was driving myself) it can mess up a relationship when their insurance must be used.

 
Yeah, a "non-owner" policy would only kick in after other insurance.  If you borrow a friend or relative's car, and they have very low limits on their policy, you could find yourself in a pickle.  It would also come into play if you rent cars often (weekend road trips and such where you will be the driver).  Also, it would provide you with "continuous auto coverage" if you find out that just doing zipcar isn't for you and you want to buy a car and insure it 6-12 months down the road.  Getting a new policy at that time after being uninsured would make you a "high risk driver" in their eyes.  Just mean that it might be worth looking into if you're going to give up a car.

 
gianmarco said:
You should click on the link I provided.  In most cases, the owner of the car is responsible for all damages, including personal injury.  If the damages exceed the coverage of the car, then the OWNER of the car could be sued.  Now, that owner can then turn around and sue the uninsured driver, but either way, you are still able to drive a friend's car without insurance as long as you are given permission to do so and would not be directly responsible for any damage or injuries. 
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Up to the limits of their policy, correct (and something I honestly didn't know).  Hopefully it's not something you ever need to ask or worry about, but be sure the vehicle is insured, and with decent limits.

 
Maurile Tremblay said:
Tip if you want. Don't if you don't. But not tipping an Uber driver is a lot more like not tipping a McDonald's cashier than it is like not tipping a waitress. More than 90% of people tip their waitresses; it's expected. Fewer than 5% of people tip their Uber drivers; it's not expected. Uber itself discourages tipping.
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Pretty faulty analogy here. 70% of people polled said they tipped a taxi driver at least 10% of the fare. Since taxis cost more than uber except in just a handful of cities, and the service you are getting is the same, why would you not tip an uber? Are you saying the taxi driver provides waitress-like service while the uber is a cashier? 

 
Yes, people are expected to tip cab drivers, but not Uber drivers. That makes cab drivers like waitresses and Uber drivers like cashiers in that respect.

 
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The only reason people think they are not expected to tip a driver is because of Uber saying it's not necessary. Luckily for some drivers, people like me use learned behaviors and common sense, and derserving drivers get a tip. :shrug:  

 
Doctor Detroit said:
The only reason people think they are not expected to tip a driver is because of Uber saying it's not necessary. Luckily for some drivers, people like me use learned behaviors and common sense, and derserving drivers get a tip. :shrug:  
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You got me from point A to point B as you promised. Thank you but why should I tip? If they aren't happy with their Uber pay they should find another job that pays them what they want to earn.

 
Doctor Detroit said:
Pretty faulty analogy here. 70% of people polled said they tipped a taxi driver at least 10% of the fare. Since taxis cost more than uber except in just a handful of cities, and the service you are getting is the same, why would you not tip an uber? Are you saying the taxi driver provides waitress-like service while the uber is a cashier? 
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Neither driver deserves a tip.

 
Doctor Detroit said:
The only reason people think they are not expected to tip a driver is because of Uber saying it's not necessary. Luckily for some drivers, people like me use learned behaviors and common sense, and derserving drivers get a tip. :shrug:  
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  1. The reason Uber is so successful is greatly because of the no tip/no cash hassle policy
  2. Their successful business model is built around an app’s functionality that doesn’t even give tipping as an option
  3. The reason these drivers are able to make money at this job is because Uber is so successful
  4. Nobody is forcing these drivers to do this service knowing full well that majority of the time they won’t be tipped above and beyond what they signed up for (and this is not something that there employer hides in their employment orientation whatsoever)
  5. If the driver feels that they can have it better and make more money from getting tips, than go get a job as a waiter, waitress, bartender, valet, and any other thousands of entry level and accessible types of jobs that are available...where their employer encourages the practice, and the customer is socially conditioned to comply
 
I have a fundamental belief that people should be paid fairly for their work but despise this system of tipping people for doing their job. Raise their wages and eliminate tipping.

 
Doctor Detroit said:
Pretty faulty analogy here. 70% of people polled said they tipped a taxi driver at least 10% of the fare. Since taxis cost more than uber except in just a handful of cities, and the service you are getting is the same, why would you not tip an uber? Are you saying the taxi driver provides waitress-like service while the uber is a cashier? 
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In NYC, taxi drivers aren't getting anywhere near 75% of the fare into their pocket like Uber drivers do. That's because the medallion costs a minimum of $250K and the average is over $500K, and the owners (lessors) of the medallions want to make that money back. 

 
I'm in an Uber right now going out to my gf's. I wish the app would say what color the car was that was picking you up. 

But using this as my test to see how much and time this trip costs me on a Friday night right at end of business time.   So far, so good...car waiting for me 2mins after request. Can see the advantage in the winter of stepping out into a fully heated car and not having to clear snow or scrape ice. 

 
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offdee said:
  1. The reason Uber is so successful is greatly because of the no tip/no cash hassle policy
  2. Their successful business model is built around an app’s functionality that doesn’t even give tipping as an option
  3. The reason these drivers are able to make money at this job is because Uber is so successful
  4. Nobody is forcing these drivers to do this service knowing full well that majority of the time they won’t be tipped above and beyond what they signed up for (and this is not something that there employer hides in their employment orientation whatsoever)
  5. If the driver feels that they can have it better and make more money from getting tips, than go get a job as a waiter, waitress, bartender, valet, and any other thousands of entry level and accessible types of jobs that are available...where their employer encourages the practice, and the customer is socially conditioned to comply
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Says the guy who "includes the tip in the app" then realized that wasn't possible only after I told him.  :rolleyes:

You've probably never been to Europe but there tipping isn't customary at restaurants.  I lived in Europe for 15 years and unless the service cost was 18% or something, the wait staff was getting a tip from me.  Why?  Because it's customary and polite in American society to do so. 

Bye now

 
cstu said:
You got me from point A to point B as you promised. Thank you but why should I tip? If they aren't happy with their Uber pay they should find another job that pays them what they want to earn.
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That's not really the point Offdee II, Electric Boogaloo. 

 
offdee said:
I'm in an Uber right now going out to my gf's. I wish the app would say what color the car was that was picking you up. 

But using this as my test to see how much and time this trip costs me on a Friday night right at end of business time.   So far, so good...car waiting for me 2mins after request. Can see the advantage in the winter of stepping out into a fully heated car and not having to clear snow or scrape ice. 
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Ride was $16.50...went back roads because of time where hwy would usually be backed up.  I was using $15 per trip on my calculations, so pretty close. 

 
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Ridesharing vs. owning a car.

costs-1024x580.png


 
I don't get the nontippers, must be a millennial thing.  Personally I like to carry around $2 bills, it makes people's days when I include one in their tip. 

 
Steed said:
I don't get the nontippers, must be a millennial thing.  Personally I like to carry around $2 bills, it makes people's days when I include one in their tip. 
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Funny you mention this. Just got back from Vegas trade show, used Uber about 7-8 times. Tipped $5 on every ride. One guy said I just "made his day" when I tipped him. For $5. Considering I save about $20 using Uber and never having to deal with the "do you wanna take the highway?" Vegas cab driver scam on just my initial ride to my hotel, I love using the service and tipping Uber drivers. They deserve it, have cleaner and better cars, work harder, are vastly superior to cab drivers and I still save a bunch of cash. I guess it just a mindset, I like to always tip for good experiences to people in a service/hospitality industry.

 
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Steed said:
I don't get the nontippers, must be a millennial thing.  Personally I like to carry around $2 bills, it makes people's days when I include one in their tip. 
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I tip the guys at the car wash who clean my windows.  To me not tipping for a service, especially one that has your life in its hands, is just being a cheapskate. 

So CTSU, Tremblay, Offdee, and Christo are on "the list."  Who else? 

 
Used it for first time In New Orleans last weekend.  Could never get the app to work and always gave up before. But 50 people waiting for a cab and the rain starting had me give it another try.  I had no clue what 5.3x meant. I had to go from the Convention Center, back to our AirBnB, and then to a dinner on Decatur and I had 25 minutes.  So I fired up the app in desperation and it worked.

Driver showed up in 2 minutes. Had only seen two cabs in 25 minutes. We got there in time. I tried to tip the driver but he said no. We used it again to get back to our place and the next morning to the airport. Both drivers took tips.

And the cabbie we had on the ride before all these had the worst ####### BO ever.

They gave me a $30 credit on the 5.3x drive for a total of $14.

Drivers were all very nice and friendly.

 
UPDATE: Decided to not sell my car and rely on Uber. Looked into the selling of my car and quickly realized that I'm too early in my 5yr financing for it to make sense...at the moment I owe about $3K more on the car than I could sell it for.  Doesn't make sense to spend $3K to sell the car, just to save $6K over the next two years, and then have to buy another car.  

If I could've broken even or made a little profit on my car sale I would've most likely have done it though. For now I'll just look at it as a luxury convenience and think of it as being 2 years closer to no car payment again 

 
My car broke down, so I needed a ride home last night home from my suburban train station to home and then back again this morning. I wasn't sure how many Uber drivers there would be in the area, but both times, the service was great. Last night, I scheduled a ride about 10 minutes prior to getting off the train and the car was waiting for me; this morning, from my home, the car came within 5 minutes. Things couldn't have worked out better.

 
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