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Everything that You Need to Know about Fair Insurance

Fair is a service that is revolutionizing the car industry. Fair can be seen as a car rental company; however, it is more like a leasing company. Basically, a number of vehicles are available at clear monthly cost. Fair even has vehicles available based on weekly rates for rideshare drivers. One of the most convenient aspects of Fair is its flexibility – drivers are never locked into long-term leases. Drivers have the option to return or change their vehicle at any time. Based on the simplicity and accessibility of Fair, Fair is one of the best options for drivers looking for short-term vehicles.

About the Fair Insurance Add-On

Accidents can happen at any time – it does not matter if you are driving your own vehicle or a vehicle that you have gotten through Fair. Considering that auto accidents occur for a number of reasons, there is very little that you could do to ensure that you are not involved in an auto accident. Because of the significant risk of being involved in an auto accident, insurance coverage is absolutely necessary. Everything that You Need to Know about Fair Insurance In most states in which Fair operates, Fair offers insurance coverage. During the process of choosing a car and checking out, users will have the option to also purchase insurance coverage. The insurance coverage available through Fair meets all insurance requirements based on both the Fair agreement and state law. Fair insurance can only be added before checkout; therefore, users will have to make a prompt decision regarding whether they are interested in Fair insurance. If they opt-in for coverage, their Fair insurance coverage will be bundled in with the price to lease the vehicle.

Learn more about your options for compensation by calling (213) 389-3765.

Before finalizing the order, Fair users will have access to an estimated cost of insurance coverage. After the order is complete, the Fair team will determine eligibility and final cost for insurance coverage.

Fair Insurance Coverage Limits

If you are choosing to get coverage through Fair, you will need to know the specific coverage that will be available. Fair insurance has the following coverage limits:
  • Bodily injury liability – $50,000 per person and $100,000 per accident
  • Property damage liability – $50,000 per accident
  • Comprehensive and collision coverage – available with $500 deductable
  • Uninsured motorist – $50,000 per person (bodily injury liability)
  • Underinsured motorist – $100,000 per accident (bodily injury liability)
  • Medical payments – $5,000
Fair is partnered with many insurance companies. Depending on the state in which you are enrolling to the Fair insurance program, your policy will be underwritten by any of the insurance companies partnered with Fair. These insurance companies include Voyager Indemnity Insurance Company and American Bankers Insurance Company – both of which are divisions of Assurant.

Additional Coverage through Fair’s Roadside Assistance

Fair Insurance Coverage LimitsAlthough not associated with insurance, it is important that all Fair vehicles come standard with roadside assistance. Fair roadside assistance is available 24/7. The different services available through Fair’s standard roadside assistance include the following: lock-out services, towing, battery jump start, and flat tire change/inflation, for instance. Knowing that you will have access to roadside assistance whenever it is necessary might give you peace of mind and an extra push towards getting a car through Fair.

The Importance of Insuring the Vehicle

As previously mentioned, you will be offered Fair insurance before you complete your order. If you opt-out of coverage directly from Fair’s insurance program, you will be responsible for providing coverage for the vehicle. Before completing the order, you will be required to input insurance information. When you pick up the vehicle at the dealership, you will be required to provide a representative with proof of insurance (your name must be included under the policy). After picking up the vehicle, you will have 7 days to add the vehicle into your policy (note: some states require vehicles to be added to the policy before pick up). You will need to provide Fair with proof once you have added the Fair vehicle into your policy. All rideshare drivers must add their Fair vehicles to their insurance policy prior to picking up the vehicle. What type of insurance to you need? Fair required full comprehensive and collision insurance on all of their vehicles. To efficiently insure your Fair vehicle, you must ensure that you meet all the insurance requirements established by Fair and by your state. Depending on the specific details of your situation, you could even be denied your vehicle at pick-up if you do not meet the specific requirements.

Rideshare Insurance Information

If you are using your Fair vehicle to drive for a rideshare company, you will need a specific coverage. When you are driving with a rideshare company, the commercial policy offered by the rideshare company will cover you. However, you will not be covered by the rideshare company’s insurance policy when you are “offline” and doing personal driving. Therefore, you will need to carry comprehensive and collision coverage with rideshare coverage either from Fair or the insurance provider of your choice. You must be covered by insurance at all times – so you must ensure to have the appropriate policy.

Learn more about your legal options by chatting with a representative now.

Does Fair Have Mileage Limits?

How many times have you purchased auto insurance in the past? If you have completed the process at least once, you know that insurance companies ask you to provide them with an estimate of the number of miles that you drive every year. Does fair ask for mileage information before you complete your order? Fair does not ask you the amount of miles you will likely drive the vehicle; however, all Fair vehicles come with a standard base mileage of approximately 10,000 miles per year (this number can vary). What does this mean? When you get a vehicle through Fair, you will have 10,000 traveling miles available to you per year. The total miles available to you will be based on the specific length of time that you posses the vehicle. Before checkout, you will have the option to purchase additional miles. When miles are purchased upfront, Fair offers a discounted price. If you did not use any or some of the additional miles that you purchased, you can expect a reimbursement after returning the vehicle. On the contrary, if you have driven more that the allotted miles at the time that you return the vehicle, you will be charged a mileage fee as established by the user agreement.

I was in an Accident in my Fair Vehicle – Who Do I Call?

What should you do after being involved in an accident with your Fair vehicle? There are many things that you should do; however, one of the most important things that need to be done is to report the accident to the appropriate insurance company to ensure that you are taken care of and you are rightfully compensated. Consider the following points:
  • I have Fair insurance – if you are covered by Fair’s insurance program at the time of your accident, you will have to file an insurance claim with Fair’s insurance provider.
  • I have rideshare insurance – if you were driving for a rideshare company at the time of your accident in the Fair vehicle, you will have to file an insurance claim with the rideshare company’s insurance provider.
  • I have third-party insurance – if you are covered by third-party insurance (your own insurance policy), you will have to file a claim with your insurance provider. Once the claim has been resolved, you must provide Fair with information regarding your claim to ensure that it is on record.
It is essential that you report the accident and file the claim appropriately. When dealing with insurance companies, it is essential that you only provide them with the information that is absolutely necessary. Although it is their duty to pay you out accordingly, they lose money every time they compensate claimants, and they will do everything within their reach to avoid paying you. What is the car was a total loss? If the car was a total loss due to the accident, you will still have to deal with the appropriate insurance depending on your specific situation. After dealing with insurance, you will need to report the loss to Fair. They will need all insurance documentation (must include the date of loss and the odometer reading). This will allow Fair to adjust billing appropriately.

Do You Have the Right to Sue after a Fair Accident?

Were you involved in an auto accident while you were driving your Fair vehicle? If so, you might have many questions – specifically questions regarding your right to pursue a claim. Do you have the right to pursue a claim? Could you file a claim after you were involved in an auto accident in your Fair vehicle? The answer to this question depends on the specific details of your claim. Consider the following points:
  • When another driver caused the accident – when you were your driving safely and reasonably and did not contribute to the accident that you suffered in any way, you might be unsure of your right to pursue a claim. When the reckless and negligent actions of another driver results in an accident, you will have grounds to pursue a claim against the party that caused the accident. More specifically, you will have ground to pursue a claim against the liable party’s insurance company.
  • When you caused the accident – when you caused your own accident, it might be unclear whether you still have the right to sue. If you failed to exercise your duty of care towards all other drivers on the road by driving recklessly and negligently, you will likely be at-fault for the accident that you suffered. Even if you are at-fault, you could pursue a claim against your own coverage (either Fair insurance or your personal insurance).
  • When the car malfunctioned – when a mechanical failure in the Fair vehicle resulted in an accident, you could pursue a claim. Based on information provided by Fair, all users are responsible for maintaining their Fair vehicles. Fair provides a few maintenance appointments a year for users. However, it is up to the user to make these appointments and ensure that maintenance is up to date. Considering this information, Fair is likely to deny any wrongdoing if a car’s issue resulted in an accident. In the case of auto accidents, however, victims might have grounds to pursue a claim. If Fair’s maintenance was ineffective or completed incorrectly, drivers could take action against Fair (specifically, whoever they use for vehicle repairs). If the vehicle malfunctioned due to a manufacturer defect, drivers could pursue claims against the car manufacturer.
  • When road conditions were poor – when road conditions are poor, drivers can suddenly find themselves experiencing car accidents through no fault of their own. Roads must be maintained by the appropriate agencies (e.g. the city, the county, transportation agencies, etc.). When the responsible parties fail to keep up with road maintenance, they are also failing to address a severe risk of harm as poor road conditions could result in accidents and injuries. If the accident that you suffered in your Fair vehicle was caused by poor road conditions, you could pursue a claim against the city, the county, or the transportation agency responsible for road maintenance.
Without a doubt, there is a possibility that you will have grounds to pursue a claim after being involved in an auto accident while driving your Fair vehicle. Are you unsure of whether you have the right to pursue a claim? If you would like to learn more about your specific right to pursue a claim after being involved in an auto accident, do not hesitate to seek legal assistance – an expert will help you understand your right to pursue a claim.

Why Would You Need an Attorney?

Without a doubt, Fair is dedicated to remaining as simple and straightforward for their clients. Although the company can try to do everything within their reach to ensure that their clients have a positive experience while using their service, there is no way that Fair could prevent their clients from being involved in auto accidents. Car accidents can occur at any time. Any time that an accident occurs, drivers and their passengers – as well as other parties – could suffer harm. If you suffered any sort of harm during an auto accident, you might have grounds to pursue a claim. Depending on the specific details of the accident, you might also be eligible to receive monetary compensation (medical expenses, lost income, pain/suffering, property damage, funeral/burial costs, loss of consortium, and punitive damages, for example). If you would like to learn more about your right to pursue an auto accident claim after you suffered an accident in your Fair vehicle, do not hesitate to seek legal assistance with the experts at Downtown L.A. Law Group as soon as possible. Our lawyers are dedicated to ensuring that you have access to all the information that you need to pursue a claim. How can we ensure that all victims of auto accidents have access to all the information that they need to take legal action? The answer is simple – we offer free legal services. More specifically, our firm offers free consultations and free second opinions. During our free consultations and free second opinions, our lawyers will be available to answer all your questions and address all your concerns, ensuring that you have access to all the information that you need to either start or continue your auto accident claim. If you are ready to discuss your claim with our experts and learn more about your right to sue, do not hesitate to contact our lawyers immediately. Our free legal services are available as part of our Zero-Fee guarantee – which ensures that our clients never have to worry about paying any expensive upfront legal fees. Our law firm is also strictly based on contingency; therefore, our clients will not have to pay any legal fees until after their claims reach successful outcomes. If you are ready to speak with our experts, do not hesitate to contact our firm today.
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