Driver Needed - Halloween Night. $160 for 4 hours - Page 3 - Calgarypuck Forums - The Unofficial Calgary Flames Fan Community

FlamesKickAss · 10-28-2009, 03:15 PM

Quote:

Originally Posted by EDBTZ12

Then the OP could have his claim denied. Unless you specifically tell your insurance company that you will be using your car to hire people to run errands or even delivering pizza for that matter then your claim can be denied.

You're allowed to lend your car out and your insurance will still cover any claims unless the person who you lent it to got compensation in any way.

i have gone over the policy wording that is standard in alberta and my personal opinion is he would be fine. example I would use is, what if I wanted to have someone drive me in my car to work everyday and I paid them for that. It isnt business use because I am the owner of the car I am just tired of driving or if I was paralyzed but still owned the vehicle. Only the driver is getting paid not the insured. If the driver (person hired) used his car then it would be a taxi, but the way it is I dont see how it is different than me staying sober and driving my friends.

I think people here are just fearmongering, as for the statement that what if a girl states you molested her, make sure you drop off males last, always have a witness, the OP would have to have some pretty shady "friends" if they did this though.

For the record if I didnt have plans for halloween I would put my money where my mouth was and do this.

CrusaderPi · 10-28-2009, 03:18 PM

I'm with you FKA, everyone is over complicating this. I don't have plans and I would do it.

FlamesKickAss · 10-28-2009, 03:19 PM

to the op: If you want to be safe though call you insruance broker/agent and ask.

4X4 · 10-28-2009, 03:21 PM

It was either my brother or his friend that did this for JT last year. Everyone arrived alive, and nobody got sued.

ruddstud · 10-28-2009, 03:22 PM

Here's an easy cure..... I'm sure all will be responsible adults.....

1) DON'T DRINK so much/ or have your WIFE DRIVE!
2) Rent a limo for 4 hours (approx. $350) $20/couple ???? (cabs would be $40 anyways)

3) Pass out in the tents I suggested.

troutman · 10-28-2009, 03:27 PM

So, is it love?

Maybe.

Tell !

We met at the club, and he's cute, hot dancer, funny, whatever. But here's the thing - he says he is the designated driver because it is a great way to meet chicks.

And you believed him?

He drove me home - sober!

EDBTZ12 · 10-28-2009, 03:35 PM

Quote:

Originally Posted by FlamesKickAss

i have gone over the policy wording that is standard in alberta and my personal opinion is he would be fine. example I would use is, what if I wanted to have someone drive me in my car to work everyday and I paid them for that. It isnt business use because I am the owner of the car I am just tired of driving or if I was paralyzed but still owned the vehicle. Only the driver is getting paid not the insured. If the driver (person hired) used his car then it would be a taxi, but the way it is I dont see how it is different than me staying sober and driving my friends.

I think people here are just fearmongering, as for the statement that what if a girl states you molested her, make sure you drop off males last, always have a witness, the OP would have to have some pretty shady "friends" if they did this though.

For the record if I didnt have plans for halloween I would put my money where my mouth was and do this.

While i do agree people are making a big deal out of this, but you are wrong about the liability issues. If you hired someone to drive you around and didn't notify your insurance company so they can make the policy changes and something was to happen, You'd be SOL. Assuming your insurance company somehow found out you hired someone your contract would be null and void.

I have taken courses in insurance so I'm not just giving my opinion. These are facts.

Having said that it would be really hard for a insurance company to prove you hired someone if you both don't say anything.

If I wasn't going on a pub crawl on Halloween I'd probably be up to doing this.

Incogneto · 10-28-2009, 03:44 PM

Raekwon · 10-28-2009, 03:52 PM

I agree you should have no problems people are just showing the worst case scenario. I believe EDBTZ12 would be referring to the part of the Alberta Standard automobile policy which states the exclusion of coverage in the case of

"(v) Such other automobile is not used for carrying passengers for compensation or hire or for commercial delivery"

I think its an awesome idea and wouldn't think twice about doing it

FlamesKickAss · 10-28-2009, 04:12 PM

Quote:

Originally Posted by EDBTZ12

While i do agree people are making a big deal out of this, but you are wrong about the liability issues. If you hired someone to drive you around and didn't notify your insurance company so they can make the policy changes and something was to happen, You'd be SOL. Assuming your insurance company somehow found out you hired someone your contract would be null and void.

I have taken courses in insurance so I'm not just giving my opinion. These are facts.

Having said that it would be really hard for a insurance company to prove you hired someone if you both don't say anything.

If I wasn't going on a pub crawl on Halloween I'd probably be up to doing this.

I work in insurance and take insurance classes and have asked around my office and they all agree they way it is written it would be okay, would be different if it wasnt the "employers" car and was the employees. And yes if I had a driver I would have to notify my insurance co if it was a regular basis, but for a one night thing no.

FlamesKickAss · 10-28-2009, 04:14 PM

Quote:

Originally Posted by Raekwon

I agree you should have no problems people are just showing the worst case scenario. I believe EDBTZ12 would be referring to the part of the Alberta Standard automobile policy which states the exclusion of coverage in the case of

"(v) Such other automobile is not used for carrying passengers for compensation or hire or for commercial delivery"

I think its an awesome idea and wouldn't think twice about doing it

but the vehicles isnt being used to carry passengers for compensation or hire. The owner (insured) of the vehicle isnt being compensated.

if OP hires me to drive, and I drive MY vehicle then it is.

but to be safe he should contact his insurance broker and let them know.

EDBTZ12 · 10-28-2009, 04:19 PM

Quote:

Originally Posted by FlamesKickAss

but the vehicles isnt being used to carry passengers for compensation or hire. The owner (insured) of the vehicle isnt being compensated.

if OP hires me to drive, and I drive MY vehicle then it is.

but to be safe he should contact his insurance broker and let them know.

Yes it is.

ruddstud · 10-28-2009, 04:21 PM

Quote:

Originally Posted by EDBTZ12

While i do agree people are making a big deal out of this, but you are wrong about the liability issues. If you hired someone to drive you around and didn't notify your insurance company so they can make the policy changes and something was to happen, You'd be SOL. Assuming your insurance company somehow found out you hired someone your contract would be null and void.

I have taken courses in insurance so I'm not just giving my opinion. These are facts.

Having said that it would be really hard for a insurance company to prove you hired someone if you both don't say anything.

If I wasn't going on a pub crawl on Halloween I'd probably be up to doing this.

DO you need a driver for the pub crawl, I can drive. I only have 25 demerits and have 7 DUI charges pending? I am also prone to seizures, but it hasn't happened while driving for weeks.... There's nothing wrong with me driving your bus is there???

FlamesKickAss · 10-28-2009, 04:37 PM

Quote:

Originally Posted by ruddstud

DO you need a driver for the pub crawl, I can drive. I only have 25 demerits and have 7 DUI charges pending? I am also prone to seizures, but it hasn't happened while driving for weeks.... There's nothing wrong with me driving your bus is there???

this part I agree with. Op should make sure he is getting somewhat of a decent driver.

FlamesKickAss · 10-28-2009, 04:38 PM

Quote:

Originally Posted by EDBTZ12

Yes it is.

you can read it one way I read it differently what he needs to do is see how HIS insurance co reads it.

This back and forth is getting stupid.

macker · 10-28-2009, 04:47 PM

Question #11 a) on a Standard auto insurance application :
Will the automobile be rented or leased or used for carrying passengers for compensation or hire, or for carrying explosives or radioactive material? If so provide details.

It is a liability issue. The insurance company needs to know what exactly they are insuring and what is being discribed is a commercial risk and I am sure that the OP is not paying commercial rates that reflect this material change in risk. If anything happens the insurance company has grounds to deny the claim. Technically even if you are using your vehicle to transport kids to hockey and are not being compensated for it you should still notify your broker as this increases the potential liability. This kind of thing goes on all the time (pizza delivery guys, newspaper delivery guys, contractors etc.etc.) and it puts the insurance company at a disadvantage as they don't really know what they are insuring. If you do call your broker and they say it is no big deal make sure to get it in writing and better yet get them to let you know who they consulted with on this at the insurance company underwriting and/or claims department level at the actual company that will either pay or deny potential claims. It sounds anal but that is the way most of the insurance wordings are written and applied.

4X4 · 10-28-2009, 04:52 PM

Quote:

Originally Posted by InCoGnEtO

Uh oh! You've just injected "fluff" into a verrry srs thread. Recycling jokes, using memes, and posting pics is very annoying to some posters. It is part of the "decline of CP". How dare you!

HOOT · 10-28-2009, 05:05 PM

Quote:

Originally Posted by ruddstud

Call your insurance company, and contact a lawyer to see if by chance a girl in the car said you molested her and see how that stands in court. LOL Common sense people, common sense.

Quote:

Originally Posted by ruddstud

What if they don't get home safe like they were told?? HMMMMMMM

Did you really find it necessary to reply to my post twice?

Do you think the driver would try and hurt someone? Why is it called an ACCIDENT? Do you need me to post the definition or can you handle that?

You are over complicating it like no one in the history of man has given people a ride home in someone else's car. We are not trying to reinvent the wheel here. It is a simple!

Raekwon · 10-28-2009, 05:09 PM

Overall in the end no insurance company in their right mind would hold to a denial of a claim in this situation (Maybe ING ;p) and if they did would be ordered to pay in court. IMO

ruddstud · 10-28-2009, 05:26 PM

Quote:

Originally Posted by Raekwon

Overall in the end no insurance company in their right mind would hold to a denial of a claim in this situation (Maybe ING ;p) and if they did would be ordered to pay in court. IMO

LOL,

insurance companies would just overlook all the legal stuff, pat you on the back for being a good samaritan and say, no worries, we'll cover this one.............