Personal Auto PolicyQuestion 392 of 531
An insured drives passengers for a ride-hailing app and causes $22,000 of bodily injury during a paid trip. Part A liability coverage:
a.Does not apply to any trip with a passenger aboard
b.Applies, since the insured owns the covered auto
c.Applies up to the property damage limit only
d.Does not apply, as passengers were carried for a fee
Explanation
Part A excludes liability while a covered auto is used to carry persons or property for a fee, which is exactly what a paid ride-hailing trip is. That exclusion carves out a share-the-expense car pool, so riders chipping in for gas leaves coverage intact and a passenger on board is not itself a problem. Paid driving needs a commercial or ride-hailing endorsement.
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