Just a little confused

[captaind]

Hold on a minute Cap, white plate car insurance does not cover casual passengers, only the driver is covered?

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If you are asking for a taxi, then a red plate you should get.

If you are utilizing an offer of transportation courtesy of a restaurant, that is not a taxi. If you insist that courtesy transport be a red plate then you should hire a taxi. My perspective.

I'm not sure if any visitor including myself would be a casual passenger. I ride with Ailsa in her car with a white plate and can prove she's my daughter etc. Never had to do that so I really can't say what judgment an insurance company would make and would probably involve getting lawyer.

When I ride with Linston I always have the chartered sign in the window. Most likely a legal grey area.

I imagine you would have to produce evidence indicating a relationship. The question may be if you are paying for the ride or not.

If a restaurant send a whites plate to pick you up is that a part of the financial arrangement to buy food and drink?

Better safe than sorry.

Perhaps Rob can lend some information.

[Rob]

I'm not sure if any visitor including myself would be a casual passenger. I ride with Ailsa in her car with a white plate and can prove she's my daughter etc. Never had to do that so I really can't say what judgment an insurance company would make and would probably involve getting lawyer.

When I ride with Linston I always have the chartered sign in the window. Most likely a legal grey area.

I imagine you would have to produce evidence indicating a relationship. The question may be if you are paying for the ride or not.

If a restaurant send a whites plate to pick you up is that a part of the financial arrangement to buy food and drink?

Better safe than sorry.

Perhaps Rob can lend some information.

Many drivers in Jamaica (or almost any country for that matter) carry the minimum coverage required by law. That is normally what is called "third party" coverage, which covers damages to others that the driver and vehicle may cause. But this does not cover the vehicle nor anything or anyone in the vehicle which caused the damages.

Paying passengers in a white plated vehicle are essentially breaking the law and no coverage would exist at all and you would be held accountable for damages done to others just as the driver would be.

As for an establishment procuring a ride for you, there is no minimum purchase requirement. If an employee of the business gets you a ride, the business now assumes the risk and their liability insurance will kick in. If you are unsure if a business has proper business insurance, then always ask them to get you a legal red plated taxi when asking for the ride. I would do this all time anyway.