Showing posts with label the insurance question. Show all posts
Showing posts with label the insurance question. Show all posts

Monday, December 15, 2014

Being Uber Ain't Easy: Why All Drivers Should Support Regulation


(Originally appeared on Disinformation.)

The global pushback against Uber domination continues to gain momentum. Over the past few weeks, the ride-hailing app was banned in IndiaThailand and Francesuspended in Spain and challenged in BelgiumGermanythe Netherlands and South Korea. Across the US, local governments in OregonArizonaNevadaTexasPennsylvania and California are cracking down on the San Francisco-based behemoth, as well as its smaller rival, Lyft. Every day there are more and more articles in major news outlets documenting the growing rideshare backlash.
Uber responds to the lawsuits and rampant criticism with aplomb, holding the ship steady amid a tempest of dissent. They are always quick to fire back. When they're not threatening journalists, they accuse city councils of unfairly subjecting them to unfair burdens. They claim their model of ridesharing is under attack by government overregulation. Since they profess to be a technology and not a transportation company, they argue they're immune to the same laws that taxi companies must adhere to. They demand special treatment because they are disrupting the evil “taxi cartel” and bringing quality service to the masses. They hire lobbyists and ask their supporters – both drivers and passengers – to sign petitions and join rallies. They set up web pages to make it easy for customers to contact their representatives.
Being Uber means you never have to take your face out of an iPhone. Click a button, get an Uber ride. Click another, support the Uber cause.
As an Uber/Lyft driver, I’ve received dozens of emails and texts encouraging me to resist government meddling. I may drive for these companies, but I’m not stupid. Just broke and desperate. Which is why I use my own car as an unlicensed taxicab, despite the risks associated with transporting drunk and impatient people through crowded urban streets. I know I’m not protected from misfortune. When something goes wrong, whether it be car-maintenance or worse, I’m on the hook. My personal insurance policy is completely invalid when driving for-hire. If I get in an accident, I’ll be at the mercy of the offshore insurance company Uber uses to cover their drivers. From everything I’ve read about the experiences of other drivers, Uber won’t be clamoring to come to my aid. There isn’t even a number to call in case of an emergency. I could have bodies splattered all over the asphalt and still only be able to email Uber support. And hope for the best. Even though drivers make these companies billions of dollars, we are entirely alone out on the streets.
Being Uber means never thinking about the consequences of being Uber.
So why support a system that puts the underemployed at such an extreme disadvantage? It makes sense Uber customers would oppose regulation. Until something goes wrong. They just want cheap, efficient rides and a cashless payment system. But a regulated Uber and Lyft are in drivers' best interests. After all, we are the ones with everything at stake.
Maybe I am kind of stupid.
Safety Not Guaranteed 
Regulation is all about insurance and background checks. Taxi companies are required to provide adequate insurance and use Live Scan background checks to properly vet their drivers. So what’s the big deal? Uber was just valued at $40 billion. Why can’t they provide adequate insurance and fork over the cash for industry-standard background checks? They have no problem writing code that makes hailing a car as easy as touching the screen of a smart phone, but when faced with a little bureaucratic paperwork, suddenly they don’t have the resources?
It’s almost impressive how far Uber will go to avoid regulation. Shawn Marquez, the acting director of Arizona’s Department of Weights and Measures, which regulates cabs in the state, recently pointed out, “Some areas regulate how many cars you can have, their color, their year, how much the price is. In Arizona we don’t do any of that. You can have purple cars with stars and stripes as long as you have the insurance.” (Arizona continues to crack down on Uber and Lyft.)
Instead of playing by the rules, Uber just plows into cities across the world and sets up shop. They figure after getting public support for their service, they can argue they’re providing an invaluable service that consumers would suffer without. When the regulators come calling, they cry injustice and rally the legal teams. It’s a gambit that seems to be paying off. Even with several pending lawsuitsincluding PortlandSan Francisco and Los Angeles, they are still operating in those cities. Las Vegas seems to be the only municipality able to fend them off. (Though Portland is trying their damnedest to rout Uber's advance into the Rose City.)
Being Uber means never taking "no" for an answer.
Lyft, on the other hand, is pulling out of places where regulation doesn’t bode with their model. In November, when the Houston city council approved regulations for rideshare services, they shut down operations, claiming background checks, increased insurance and safety exams create an undue burden for drivers. A few weeks ago, they ceased operations in Tacoma, Washington, after the city council passed regulations there. Since most people moonlight as Lyft and Uber drivers to supplement income, they don’t have time during the day, the argument goes, when they are supposedly at regular jobs, to sit around government offices waiting to get legal. (Never mind the fact that, as these companies squeeze the taxi industry, hordes of former cabbies are moving into rideshare.)
Give Me Convenience or Give Me Death
Uber and Lyft promote convenience. For passengers and drivers. They know people are lazy. If drivers had to get their fingerprints taken, pee in a cup and spend a day or two attending a class, they wouldn't be as likely to sign-up. Or keep driving.
Where would the so-called sharing economy be without this ease of participation? Especially for the folks providing these peer-to-peer services? Why go through the hassle of setting up your house as a legitimate bed and breakfast when you can just list empty rooms on Airbnb? Why polish a resume and apply to temp agencies when you can post your services on TaskRabbit?
For the Average Joe, the idea of using his personal car to transport drunks may seem like a fun way to earn some extra money. That it requires very little effort makes it even more appealing. Taking time out of your day to get a license in order to be legit… well, that sounds like a total drag. Nobody enjoys going to government offices like the DMV. (When will there be an app to solve that hassle?)
Uber and Lyft are aware prospective drivers won’t take the extra steps to become legal. Their entire business model is based on a never-ending supply of moonlighters.
Need some extra money to pay off credit cards? Drive for Uber.
Bored at home and sick of watching TV on weekend nights? Turn on the Lyft app. Look, there’s surge pricing!
To become a Lyft driver, I just ran my thumb along a slider in the app. Filled out my personal information and provided my social security number, driver’s license and the make and model of my car. It was a breeze. The only obstacle was waiting for a response. But a week later, I was giving rides and making money.
With Uber, the process was just as simple. Except I never received the Uber-issued iPhone 5 required to access their app in the mail. I had to wait in line at Uber HQ. Which was a slightly harrowing experience. But the majority of drivers get their phones and placards shipped to them. They start driving without ever once looking an Uber representative in the face.

The Uber Bait-and-Switch
This effortless process of onboarding is what pushes the ridesharing revolution. Anybody can get signed up without a hitch. But once you start driving, it’s a different story. From that point on, the experience becomes increasingly difficult.
Driving a car in a city like San Francisco is no cake-walk. When a request comes in, you have to deal with the app while negotiating traffic. You only have ten seconds to accept the ride. (Miss too many requests and you face deactivation.) Once you figure out where you’re going, you drive to the location and, invariably, wait in traffic with your hazards on for the person to saunter outside and get in the car. From there, the app tells you where the passenger wants to go and how to get there. But there’s still traffic to contend with. And along the way, you have to keep a careful eye on errant cars, belligerent cabbies and suicidal pedestrians. All the while maintaining a sunny disposition. It’s important to be accommodating to your passengers. Or risk a low rating. (If your rating gets too low, they deactivate you.)
Pro tip: When passengers ask if you like driving for Uber, always say you LOVE driving for Uber. Being Uber means not being afraid to tell a lie or two.
On the road, issues often arise that have to be dealt with, like unruly passengers, drunks, picking up the wrong personlost items that have to be returned, physical and mental stress, low rates that keep getting lower and an unfair rating system that allows riders upset about surge pricing and app glitches to take their frustrations out on drivers.
I’ve been driving Uber and Lyft for ten months. I’m not going to make it much longer. I don't earn enough driving for Lyft and Uber to afford to keep driving for Lyft and Uber. My car is trashed and the only way I can make the kind of money to maintain it anymore is by driving ten to twelve hours a day. Which would only rag my car out even more. And hey, isn't that the cabbie’s life? And what rideshare is ostensibly trying to disrupt?

Hell, I'd rather be a cabbie. They have it better. They don’t have to use their own cars. Or shell out the big bucks for car maintenance. Or provide their own insurance. Or pay a deductible if they get in a no-fault accident. They don't have to deal with the demands of self-entitled kids accustomed to getting the world handed to them on a silver platter and expecting premium service at a cut-rate price. (I'd take the tourist trade over the start-up crowd anyday!) Cabbies actually have their own businesses in the form of repeat customers. Charm and quality service don't pay when you're an Uber driver. But cabbies get tips. On top of all the other indignities Uber drivers suffer, we are also denied tips! According to Uber’s official policy, “Being Uber means there is no need to tip drivers with any of our services.”
So yeah…
Being Uber isn't all it's cracked up to be. Not for drivers. When you think about it, sitting in the waiting room of a government agency for a few hours to ensure you’re protected from the evil machinations of a corporation bent on world domination doesn't seem that bad. In fact, it sounds kind of like a vacation.
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Tuesday, October 21, 2014

For Whom The Uber Tolls



It’s Saturday night… not even late. A few minutes after nine. I’m at Mission and 7th. Get a request for an address on Market, a block and a half away. I take a right on 7th and pull into the far left lane. As I turn onto Market, a girl in cut-off jeans and a tank top waves me down. She’s practically in the middle of the street. Grabs my door handle before I can even stop. Climbs in the backseat.
I ask if she’s Andrea, the name of the person I’m supposed to pick up. She mumbles something and rolls down the window. The rider destination has already been added in the app so I start the ride.
“We’re going to the Richmond then?” I ask, anticipating a nice long ride with 1.5x surge. Cha-ching. She says nothing. I look over my shoulder. She’s curled up against the door, passed out. I start driving, hoping and praying she isn’t a potential puker. Turn off Market onto Hayes and then right on Franklin.
As I approach O’Farrell, I get a text from the generic Uber number: “I’m on 8th and Market across from Chase.”
I immediately pull over. What the hell? I wake up the girl in my back seat. “Hey! I think you got in the wrong car.”
She comes to, but her eyes are blurry. She’s not all there. It’s obvious she’s wasted. I don’t smell alcohol though.
“You got into the wrong car,” I tell her again.
She’s confused. “Uhhmmm… I can get out…” She has an accent. As her voice trails off, she looks around. She has no idea where she is.
Oh man… I feel my pulse accelerate as the reality hits me. I picked up the wrong passenger! And she’s not even sober enough to share my distress!!
Besides losing a profitable fare, I was hoping to make the $38-an-hour guarantee Uber’s offering this weekend. And the only way to accomplish that is by staying online for the entire hour. With the Treasure Island Music Festival and several other events going on in town, business was supposed to be “off the charts,” according to the numerous emails I’d received from Uber about it all week. With rent on the horizon, I really need the money from a busy weekend. But I can’t just leave this very intoxicated girl on the street in the Western Addition.
“Where do you need to go?” I ask.
She tells me an address on Battery Street. I assume that’s what she probably said when she first got in the car. I have her repeat the address a second time, just to make sure. Ask if she’s okay.
“Yeah.” She curls back up against the door.
I cancel the original ride and tap the fare review link. Select the option “don’t charge — wrong client.”
At least the Financial District isn’t that far away. If I hurry, I can get her home fast, get back online and maybe still score some of the Uber guarantee for the hour.
As I’m about to pull out, my phone rings. The generic Uber number. It’s Andrea, the girl who actually requested the ride. I explain, as apologetically and calmly as I can, that I picked up the wrong passenger. I tell her that I’ve already canceled the ride and will make sure she doesn’t get charged. And that I’ll send a follow up email to Uber. She asks what to do next. I tell her to request another ride. Apologize again. All the while, I resist the urge to tell her what really happened. Maybe she’s willing to help me? I could use some female assistance. What if I have to drag this girl’s unconscious body out of my car by myself?
I don’t even want to think about that scenario!
With growing trepidation, I begin my via dolorosa to Battery Street. Fighting traffic and shitting bricks. I can’t help but wonder, What if something happens along the way? What if I get in an accident? How do I explain to the authorities why I have some random chick passed out in my backseat? Is my conscience really that guilty? Or have I just been reading way too many news articles lately about rapes and assaults and all kinds of horrible situations in Uber cars? I mean, how can I not be paranoid, now that it’s happening to me? After all, who am I but some guy in a gypsy cab?
I try to take deep breaths. My fear has become sentient. It’s talking to me. Trying to convince me that I do, in fact, really need to freak the fuck out. Yes, old friend, I know… This is some serious shit. Best to get it over with as fast as possible.
As I’m rushing through Nob Hill, another request comes in. Damn it! I forgot to go offline. I let the request time out. Make sure I’m no longer in driver mode. I don’t need to screw up my acceptance rate too.
When I finally reach the address, I heave a sigh of relief. There’s even a place to pull over in front of the high rise with a glass lobby and storefronts. Finally, the universe is throwing me a bone. I take another deep breath and wake the girl up.
“Hey! We’re here!”
I’m surprised how easily she comes to. But she’s still really out of it. I ask if she needs help. She says no. Reaches around the seat and floorboard, seemingly for her purse or phone. It doesn’t look like she has either. I notice there are twigs in her hair. I ask if she’s okay. She says that she is fine. There’s a tinge of annoyance in her voice, like she’s sick of me asking. Opens the car door and careens into the street, in the opposite direction of the apartment building.
I yell after her, “You’re going the wrong way!”
Fortunately, there’s no traffic. She spins around and heads towards the right building.
“Are you sure you’re okay?” I call out.
She comes back towards me and reaches for my hand.
“Thank you so much.”
“You’re going to be okay, right?”
“Yeah.”
But I’m not convinced. She walks to the building and struggles to get through the door. A guy eventually opens it for her. She moves aimlessly through the lobby and then gets into an elevator. I can only hope this is where she lives and that she makes it into her apartment. I hesitate before taking off. Tell myself, At least she’s safer here than in the Civic Center.
I pull into the first parking spot I can find and contact Uber the only way I can: a support ticket through their clunky website. After clicking through a bunch of drop-down menus that encourage me to check the FAQ before contacting them, I explain in my message what happened, how I picked up the wrong passenger and had to take the girl home. I’m also worried how this mix-up will affect my rating. Since I have to rate Andrea before I can go back online, I’m sure she still has the option to rate me, at least until the fare has been reversed. I’ve worked hard to maintain my 4.9 rating. I’d hate to get dinged for what was essentially an emergency situation.
Why were there were twigs in the girl’s hair? I checked the back seat after she got out and discovered an enormous amount of crushed leaves on the floorboard. Way more than usual anyway. The girl could have been drugged at a bar on Polk Street and fell into some bushes as she wandered through the Tenderloin looking for a way home. With the influx of frat bros in San Francisco, GHB is floating around everywhere now. A few months back, the Wife and her friend were drugged at a hipster bar just a few blocks from our apartment in Temescal. The wife managed to stumble home, but her friend woke up the next morning in the emergency room. This shit is real.
More than anything, I wish there was a way to find out if she had actually requested an Uber and mistook me for her driver. Or was she so fucked up that she just saw the U in my window and expected me to take her home? The use of rideshare cars in San Francisco has become second nature for most people. Maybe, in her incapacitated state, she just followed instinct.
Uber, of course, would have some of these answers. They have the ability to see, in real time, all the Uber activity on the road. This isn’t the first time I’ve picked up the wrong passenger. It happened once while driving for Lyft. But that was several months ago and I was able to talk to somebody on the phone who told me he could see that the guy I was supposed to pick up had gotten into another car. Of course, that’s not an option with Uber. They have no telephone support.
The fact is, we are hardly protected if we get into an accident under normal circumstances. We are told to use our personal insurance, which won’t cover damages while engaged in commercial activity. And without a number to call, we can only email Uber afterwards and hope their insurance company decides to cover it. They also charge us a deductible. Had there been an accident while I was driving this girl home, I could have tried to use my own insurance and say she was a friend, or that I was just helping her out. But it would be difficult to explain why she was in my back seat unconscious. And I’d have to hope she would play along, if she remembered anything the next day.
It’s alarming to think how alone we are on the streets. This time, a disaster was averted. But what about all the other times? I’m not the first driver to face similar circumstances. This exact scenario happened recently in Boston and the driver raped the woman after forcing her to withdraw money from an ATM.
Every week there are new reports of Uber drivers assaulting and sexually harassing passengers. It seems Uber doesn’t worry about the negative publicity, as long as Uber is in the news cycle. Despite a storied history of erratic drivers, ridesharing continues to become commonplace. For each person who decides to avoid Uber because of a potential violent driver, there are others who see the counterpoint that one could just as easily be attacked by a cabbie. Still, it’s kind of ridiculous that when they have a chance to extoll the positive aspects of ridesharing, Uber is just as nonresponsive.
At the very least, they could have emailed me back. Told me something. They email me daily with deals for car loans and wake me up first thing every morning with texts about signing up my friends who drive for Lyft and Sidecar. And yet, I can’t even get a canned reply?
As it is, for all my effort, I’m just left with a potential low rating and an overwhelming sense of how vulnerable we are out there.


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