It turns out that when you ride in an Uber car, you are typically not covered at all, neither by the drivers personal insurance nor by any insurance whatsoever from Uber. If you incur any injury while riding, or crashing, in an Uber car, you or your family will be stuck paying the entire medical bill yourself. This type of expense, potentially hundreds of thousands of dollars, could of course bankrupt even a well to do person.
significantly more costly than standard personal coverage, and to purchase this kind of insurance would render the driving of an Uber car economically unfeasible.
As for Ubers claim regarding extremely thorough criminal background checks, it seems that Uber is not being totally honest with their claims in this area either. They are clearly not more exhaustive than those required for legitimate taxi companies, and there is some question as to whether Uber performs any criminal background checks at all. NBC reports that they found drivers with criminal histories not only in San Francisco, but also in LA and Chicago. These drivers, some of whom were still on probation, had past convictions that include burglary, assault, and drug trafficking charges. NBC even went as far as to have undercover felons apply for employment, and Uber hired them without question.
Given these facts, I would not want my wife, child, or other loved ones to ride in an uninsured car
with a convicted felon which may very well be the case with an Uber ride. I'll stick with the traditional taxi companies who are required, by law, to have proper insurance and also required by law to conduct a thorough background check performed by an accredited agency.
