Guardian General provides insurance coverage to vehicle leasings in Jamaica. Taxi trips arranged through the Uber app are insured differently.
5 April 2024 / JamaicaLessor Partners of vehicles with a driver could be exposed to risks while on the road. For us, it is important to prevent accidents and to protect any user that utilizes Uber’s app when an accident occurs.
With this in mind, we have insurance in place with Guardian General in order to provide protection during the vehicle leasing with a driver taking place via Uber’s app.
Note: For trips on Taxis, passengers will need to ask the taxi driver for proof of insurance if an accident occurs. Please see the bottom of this page to learn more.
What are the coverages for trips on vehicle leasings?
- Third Party Liability: Protects passengers and third parties who may have been affected in an accident caused by a Lessor Partner subject to the applicable policy limit.
- Personal Accidents — Protects occupants of the vehicle during a leasing taking place via Uber’s app. Coverage includes death, permanent loss of a limb, and medical expenses subject to the applicable policy limits.
These coverages are automatically activated at the moment when the Lessor Partner accepts the leasing requested by the user via the Uber app, and ends when the last passenger descends from the vehicle.
What is Third Party Liability coverage?
Third Party Liability is the civil obligation that a person has to compensate for the damages that may be caused to others (third parties). An accident can cause damages that affect third party property (for example: other vehicles or public road structure), but damages can also affect other people or even passengers. When you are rendering a service of vehicle lease with a driver, the Third Party Liability coverage is activated. Such coverage protects against death or bodily injury, and/or damage caused to property of third parties (including passengers) due to an accident.
What is Personal Accidents coverage?
Coverage includes medical expenses reimbursement, permanent loss of a limb, and/or death of the occupants of the vehicle.
What is an accident?
An accident is a sudden, unplanned and undesired event. The event occurs as a result of driving a vehicle, causing material or bodily damage to passengers and/or third parties.
How to report an accident?
All services of vehicle lease with a driver taking place via Uber’s App are insured. If you were involved in an accident during your lease, carefully follow these steps:
- Keep calm and make sure that both you and the people involved are safe.
- If you think it is necessary, immediately call the police and the emergency services that you consider appropriate.
- Let us know what happened by reporting the accident through the app:
- Go to the main menu.
- Select the Help tab.
- Go to the Emergency tab
- Select the Report an Accident option.
- Complete the information requested.
How does insurance work on Taxi trips?
In the case of Taxi trips Uber does not provide insurance. Instead, taxis must comply with local regulations which include third party liability insurance. Any claim must be reported to the insurance company of the taxi vehicle. If an accident occurs, we recommend the passenger asks the taxi driver for proof of insurance so a claim can be filed.
Posted by Uber