With the development of the sharing economy, hitchhiking, as a green mode of travel, has been favored by more and more passengers and car owners. However, with the increase in popularity, the issue of ride-hailing insurance has gradually become the focus of public attention. So, how can the rights and interests of passengers and car owners be protected when taking a ride? This article will provide an in-depth analysis of this issue.
First of all, we need to be clear that the key to insurance compensation is whether to place an order on the platform. When a passenger places an order through a regular ride-hailing platform, the order will be recognized as an online ride-hailing order and will be protected by the corresponding regulations. As for the order of a private car after registering a ride, as long as the owner can prove that he is indeed running a ride, not an online ride-hailing, then the insurance will not refuse to pay.
This usually requires the owner to provide information such as order frequency, time and route on the platform account as proof to meet the definition of a ride-hailing. Further, if the owner of the car also has additional seat insurance or driving insurance, then in the event of an accident, the passenger can also receive corresponding compensation. The existence of this kind of insurance provides passengers with a certain amount of financial security in the event of an accident.
In addition, for passengers who place orders on the platform, the platform itself will also provide passengers with a driving insurance. This insurance usually includes coverage such as accident**, accidental medical and hospitalization benefits, providing an extra layer of protection for the passenger's safety while riding the ride. However, if the passenger and the car owner choose to negotiate offline verbally instead of placing an order through the platform, this behavior is likely to be regarded as illegal operation, commonly known as "black car". In this case, in the event of an accident, the insurance company has the right to refuse compensation because the owner did not inform the insurance company in advance of the change in the nature of the use of the vehicle, thus increasing the danger of the vehicle.
In addition to insurance issues, verbal promises are actually not binding on drivers, and in the event of a dispute, it is difficult to protect the rights and interests of passengers. Therefore, when taking a ride, it is especially important to choose a legitimate platform and ensure that you place an order on the platform. This not only ensures that the rights and interests of passengers are protected, but also reduces the occurrence of disputes to a certain extent.
The key to hitchhiking insurance is to choose a legitimate platform and make sure to place an order on the platform. By doing so, the rights and interests of both passengers and vehicle owners can be better protected. I hope the analysis of this article can help you better understand the issue of hitchhiking insurance and escort the safety of travel. Thank you**, like and follow not to get lost, we will see you next time!