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Are taxi applications responsible for a traffic accident?

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Trodu
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 Posted 1 month ago

Eduardo Morón, president of Apeseg, warns that the opinion that seeks to regulate taxis by applications does not require the contract of a civil liability policy for companies. It is still pending that the Plenary Session of Congress debates the opinion that seeks to regulate taxis by the application. Among other points, the creation of a National Taxi Registry is envisaged to ensure the legality of taxi companies such as Easy Taxi, Uber, Cabify that operate in our country but do not have a tax address.

 However, something that did not consider the project presented by the Ministry of Transportation and Communications - says Eduardo Morón, president of Apeseg - is the contract of a civil liability policy so that companies can compensate passengers who could be injured before an eventual traffic accident. "The project says that the platforms are going to be responsible in solidarity with the issues they have with a client, but there is no talk of a mandatory civil liability policy and this is important. Companies that have a policy for all of its fleet that financially protects companies against potential demand, "he told. Accident insurance: SOAT Regarding the type of coverage that the Soat should have for taxis per application, Morón says that there is 'a slightly complex gray line' that today allows drivers offering this service to take Soat for private cars even when serving third parties. <a href="https://www.360airporttransfer.com ">airport transfers London </a> 

 "If you are doing a taxi service and you should have a Soat for a taxi. There is a slightly complex gray line because the pe...

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Eduardo Morón, president of Apeseg, warns that the opinion that seeks to regulate taxis by applications does not require the contract of a civil liability policy for companies. It is still pending that the Plenary Session of Congress debates the opinion that seeks to regulate taxis by the application. Among other points, the creation of a National Taxi Registry is envisaged to ensure the legality of taxi companies such as Easy Taxi, Uber, Cabify that operate in our country but do not have a tax address.

 However, something that did not consider the project presented by the Ministry of Transportation and Communications - says Eduardo Morón, president of Apeseg - is the contract of a civil liability policy so that companies can compensate passengers who could be injured before an eventual traffic accident. "The project says that the platforms are going to be responsible in solidarity with the issues they have with a client, but there is no talk of a mandatory civil liability policy and this is important. Companies that have a policy for all of its fleet that financially protects companies against potential demand, "he told. Accident insurance: SOAT Regarding the type of coverage that the Soat should have for taxis per application, Morón says that there is 'a slightly complex gray line' that today allows drivers offering this service to take Soat for private cars even when serving third parties. <a href="https://www.360airporttransfer.com ">airport transfers London </a> 

 "If you are doing a taxi service and you should have a Soat for a taxi. There is a slightly complex gray line because the person who makes the taxi by the application does it back home or at some free time and therefore can feel that it is not for him to have a taxi Soat that is much more expensive than a particular Soat because there is greater risk exposure. Even if the coverage for the victim will be the same in both cases, "he says. In the same vein, Rubén Uma, general manager of the first digital insurance broker in Peru, says that if a person works by taxi by application with a car that has a particular insurance, insurance companies reject coverage in the event of an accident that results in damage to the vehicle or damage to third parties. 

“This happens because, at the time of contracting the policy, the client states that he will use his car for private use. In the event of an accident, the insurance company conducts an investigation to find out in what context it occurred and, based on this data, omit or accept the coverage. In some cases, insurers limit mileage, as this determines whether the contractor is using the vehicle for commercial or personal purposes, ”he said. However, in the market, there are three types of insurance contracts aimed at taxis, private vehicles, and cars that function as taxis per application. According to  5% of sales are from insurance for application taxis and 92% are from insurance for private cars. "If the person works with a taxi by application, even if it is once or twice a week, it is advisable to inform the insurance company, which can inform in more detail what type of insurance you should hire” highlighted Uma. <a href="http://www.bowcars.co.uk/ ">london minicab service </a> 

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