Uber and Lyft Insurance Issues

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Mr. Hager’s Uber and Lyft insurance issues expertise (sometimes, for brevity here, just “Uber”) can be found as follows: (i) as summarized immediately below, and (ii) as set forth in his Curriculum Vitae (downloadable from the home page of this website).

Given the recent emergence of Uber insurance issues, references throughout this document to Mr. Hager’s background as it relates to Uber are qualified and tempered of course by timing.

The primary insurance risk relating to Uber is auto insurance, whether from a passenger, driver, pedestrian, driver for hire or third party liability standpoint. In terms of that expertise, click on the link see Mr. Hager’s auto expertise.

In terms of applying this expertise specifically to Uber, Mr. Hager’s expert knowledge of the following matters, among others is relevant: (i) the regulation of Uber insurance issues, (ii) Uber auto and liability insurance policy configurations and (iii) Uber itself as a corporation.

Listen to insurance expert Bill Hager speak on Uber and Lyft insurance issues:

Set out below is Mr. Hager’s specific expertise as to these matters.

Applicable Uber Insurance Expertise: Regulatory. Beginning with the regulation, and given the fact that Uber insurance issues are often considered and evaluated at the regulatory level, Mr. Hager’s expertise as to the regulation of Uber insurance matters can be found below. He is a former:

• Commissioner of Insurance (Iowa);

• First Deputy Commissioner of Insurance; and

• Assistant Attorney General assigned on a full time basis to the Iowa Department of Insurance (functioning as the Department’s general counsel).

• Administrative Law Judge, f/k/a Hearing Officer;

• Member of the National Association of Insurance Commissioners (NAIC) and Member of its Executive Committee*

Uber matters have and will continue to find their way into the state regulation of insurance and Mr. Hager’s regulatory background is significant and substantive. He understands the intersection of the regulation of insurance with Uber insurance matters.

Applicable Uber Insurance Expertise: Legislative. In addition to his regulatory background, he has served or is serving in the following legislative capacities, which included daily knowledge of and interaction with Uber insurance as it relates to (i) the regulation of Uber insurance issues, (ii) Uber auto and liability insurance policy configurations and (iii) Uber itself as a corporation (Given the recent emergence of Uber insurance issues, references such as this throughout this document to my background as it relates to Uber are tempered by timing).

• Legal Counsel to the Iowa House of Representatives;

• Chief of Staff at the U.S. House of Representatives,

• Elected Member of the Florida House of Representatives (I am currently serving my 6th year in the Florida House of Representatives) where he serves as a Member and Vice Chairman of the Insurance Committee (among other committees), which has legislative oversight over all insurance operations in the state (as administered by the Florida Office of Insurance Regulation) including those relating to Uber insurance matters;

• In addition, he has sat on and served as Vice Chairman of the Civil Justice Subcommittee of the Florida House, which has responsibilities as to Florida laws that establish (among other things) liability, which is of course the foundation to much of Uber insurance obligations,

• Elected Member of the Boca Raton City Council; Deputy Mayor of the City of Boca Raton, where he served as the Council’s lead Member on insurance issues;

Applicable Uber Insurance Expertise: Industry. In addition to his regulatory background and legislative background as to Uber insurance, Mr. Hager has served or is serving in the following capacities, each of which included daily knowledge of and interaction with Uber insurance in the following ways: (i) the regulation of Uber insurance issues, (ii) Uber auto and liability insurance policy configurations and (iii) Uber itself as a corporation.

• American Academy of Actuaries, Washington, D.C., (whose members are often intimately involved in auto insurance) where he served as General Counsel and Chief Lobbyist;

• President and Chief Executive Officer of the National Council on Compensation Insurance (NCCI), a major U.S. property casualty insurance company doing business throughout the United States, which employs about 1,000 personnel. While CEO, this position entailed responsibility for pricing some $100 billion of property casualty insurance premium;

• Attorney practicing primarily in the area of insurance and reinsurance and admitted to practice in Florida, Illinois (This Illinois license is in inactive status, placed there by me at my volition and eligible for reactivation at any point in time upon my request) and Iowa (all upon examination) with an insurance practice;

Applicable Uber Insurance Expertise: Industry: Reinsurance Arbitrator. In addition to his regulatory background and legislative background as to Uber insurance, he has served or is serving in the following capacity, which included daily knowledge of and interaction with Uber insurance in the following ways: (i) the regulation of Uber insurance issues, (ii) Uber auto and liability insurance policy configurations and (iii) Uber itself as a corporation (Uber reinsurance issues arise indirectly in connection with the underlying auto insurance policies).

• Nationally certified Reinsurance Arbitrator (ARIAS-US), where he sits as an arbitrator on disputes between (among others) auto insurers and their reinsurers and enters decisions as to insurance;

Applicable Uber Insurance Expertise: Legal. In addition to his regulatory, industry, legislative and reinsurance arbitration background, he serves or is serving in the following legal capacities, each of which included daily knowledge of Uber insurance issues in the following ways: (i) the regulation of Uber insurance issues, (ii) Uber auto and liability insurance policy configurations and (iii) Uber itself as a corporation.

• As stated above, Mr. Hager is an attorney admitted to practice in Florida, Illinois and Iowa (all upon examination) with an insurance practice;

• Legal Counsel to the Iowa House of Representatives;

• Practicing attorney at Hager & Schachterle;

• Iowa Counsel to the Property Casualty Insurance Association of America (PCI, whose members sell much of the auto insurance in the U.S.).

• Legal Counsel to the Professional Insurance Agents of Iowa;

• Legal Counsel to the Iowa Association of Life Underwriters (life, health and annuity insurance agents).

• Practicing attorney (currently) in Florida at the Hager Law Firm;

• General Counsel and Chief Lobbyist to the American Academy of Actuaries, whose members are often involved in Uber/auto insurance matters, particularly from a pricing and policy language standpoint;

Applicable Uber Insurance Expertise: Formal Education as a Bases for Uber Insurance Expertise. In addition to his regulatory, legislative, industry, arbitration and legal background, Mr. Hager’s educational background has also well-equipped him to provide Uber insurance expertise as follows:

• Bachelors degree: Mathematics (Specifically a B.A. in secondary mathematics education)- University of Northern Iowa;

• Masters degree: Educational Psychology, University of Hawaii; and

• Juris Doctorate degree (law degree) from the University of Illinois;

• Bar Admission: U.S. Supreme Court;

• Bar Admissions, the states of Iowa, Illinois and Florida, all by examination;

• Certified U.S. Reinsurance and Insurance Arbitrator;

In the aggregate, these experiences have given Mr. Hager a significant grounding to provide expert Uber insurance testimony. In addition, click on the link to read more about his expertise as to bad faith/lack of good faith to be read in conjunction with his curriculum vitae.

*Because the insurance business is conducted across state lines and more specifically, nationally, the rules and regulations (by whatever name) are substantially similar state over state. My point is that my experience is substantially similar to parallel experience and positions throughout the U.S. (i.e., other Commissioners of Insurance). This experience is bolstered by my 40 years of direct insurance experience, including that of being a CEO of a major property casualty entity doing business throughout the U.S. and my six years of experience as an elected Member of the Florida House of Representatives where I currently serve as Vice Chairman of the Insurance Committee, with statutory and legislative oversight over auto and liability insurance business, which, as stated, is regulated in Florida much as it is in the rest of the U.S.