Careful: Slugs not covered under your insurance

My co-worker who introduced me to slugging just received an opinion letter from the general counsel of her auto insurance company. According to her insurance company, passengers for hire are not covered under auto insurance.

The letter says that "for hire" includes the transfer of anything of value. Since there is a value to travelling in the HOV lanes, and since the acceptance of a slug into the car permits the driver to obtain that value, the driver/slug relationship is one for hire and excluded unless a commercial auto policy is purchased.

The letter concludes stating that any personal injury or accident claims made by a slug would not be covered under the auto policy.

She has stopped picking up slugs for fear of being personally liable if there is an accident. I don't know what to do!!!

have your passengers sign a waiver.

Using that, ahem, logic... taking slugs in the regular lanes wouldn't be a problem for the insurance company. Just wait until you can avoid tolls by picking up slugs.

I couln't think of an appropriate euphemism to describe what I think of the veracity of that letter.

I worked at Geico in the claims department(you can stop laughing now)and this is not true. I'd love to know what that insurance company's standard of value is. Everybody has a job, family or responsibilities of some sort. Are they not of "value"? My friends are valuable to me, but since it's only emotional value, I guess when they ride with me they'll be covered and I won't be charged extra.....

go2grl

SHAKE1T

...oh yeah DOWN WITH HOT!!