Insurance Coverage: Basic Principles
macmobil has a $1 million insurance policy. However, the company and customers are covered by a three-part insurance plan. The coverage that applies is based on the Service Partners activity at the time that the accident occurred.
Available but Not In Onsite-Service
If the Service partner is available on the app/platform and ready forservices but is not in service onsite when the accident occurs, the primary insurance is the Service partner`sown insurance policy. However, macmobil provides additional coverage in this situation with liability coverage up to $50,000 per injury with a maximum of $100,000 and a maximum of $25,000 in property damage. This coverage only kicks in if the Service partnerrequests it and if the Service partnerpersonal liability coverage does not cover all of the damages.
Available and Carrying a Passenger
This is the situation in which the $1 million policy can kick in. If the macmobil Service partner is carrying a service onsite, the Service partner and customers are covered under the liability insurance policy. Additionally, if a third party was injured, such as a cyclist or pedestrian, the third party is covered by macmobil` policy when the Service partnerwas carrying a service Onsite. However, if macmobil denies coverage, the macmobil Service partner and Customer may still be denied by the Service partnerInsurance personal insurance policy because the Service partnerwas working onsite for pay at the time of the accident.
macmobil also carries a $1 million uninsured/underinsured specialist policy so that if the accident is caused by an uninsured specialist Service provider, this policy will kick in.
macmobil insurance policy’s carrier is dedicated to helping avoid paying out as many claims as possible. It is not uncommon for accident claims to be denied by macmobil`scarrier. Another element that makes the situation more complicated is that macmobildoes not consider Service Partners employees. This makes it even more difficult for customer to get covered if the Service Partnerswas distracted, drunk or working recklessly. Accident victims may respond to a denial of this nature by suing macmobil directly. Alternatively, they can seek payment from the Service Partnerspersonal insurance company.