Grab, and its rivals have drastically transformed the personal transportation industry in recent times, resulting in benefits and drawbacks for Grab drivers, especially when it comes to how to deal with incidental liability. The question of who is responsible for the damages caused when a Grab driver gets into an accident while conveying a customer, especially when the driver only has personal insurance, is a tricky one because it depends on the accident’s situations. It could be the responsibility of the driver or another party.
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So Does Grab Offer Insurance To Their Drivers?
Grab does offer some form of personal accident insurance to its drivers and passengers. It normally covers both the driver and passenger for incidental death, permanent disablement, and medical expenses. This insurance holds for injuries sustained as a result of an accident during a covered trip with Grab. However, Grab insurance does not cover a host of other catastrophic happenings that could occur while servicing customers. For example, as a Grab driver, if an accident occurs and your vehicle was damaged, you can’t claim the personal accident insurance offered by Grab. You will be informed this falls under the domain of your car insurance coverage. More so, Grab insurance will not cover you for third party damages or legal liabilities to or of passengers.
Do Personal Insurance Covers Grab Drivers
All personal insurance policy, whether ‘third party,’ ‘third party, theft & fire’ or ‘comprehensive policy,’ does not cover accidents that occur during commercial activities. That is when you were using your car to transport passengers, and you were making money directly. If an accident occurs during the trip, you can’t claim your personal coverage. This happens all the time. For example, a Grab driver reported how he couldn’t make a claim when his passenger alighted from his car and was hit by an onrushing motorcycle, causing injury to the passenger and damage to his car. The driver could not successfully claim from Grab and his personal car insurance company because his insurance did not cover damages from accidents that occur during commercial trips, which is typical for most private plans. So, even though you have some coverage from Grab and a private insurer, it’s clear that it isn’t enough.
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So As A Grab Driver What Are Your Options
Your best option for better coverage as a Grab driver is to buy insurance add-ons. Several insurance companies do offer protection to all Grab drivers out there by selling different add-ons to the private insurance plans they already carry. Most of all, these add-ons provide all-in-one 24/7 protection for yourself, your vehicle, and other third-party road users.
