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ARTICLE · 24 NOVEMBER 2015

Square Pegs In Round Holes: Adjusting Claims Involving Rideshare Drivers

Miller Thomson
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CampusLifts. Haxi. Kangaride. Lyft. Sidecar. Summon. UberX. Wingz. Sound familiar? They are colloquially known as "rideshare" services or transportation network companies (TNC).

CanadaInsurance
Patricia Forte
Patricia Forte
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CampusLifts.  Haxi.  Kangaride.  Lyft.  Sidecar.  Summon.  UberX.  Wingz.  Sound familiar?  They are colloquially known as "rideshare" services or transportation network companies (TNC).  TNC's typically do not provide transportation services themselves.  Instead, they provide an online-enabled platform to connect passengers with drivers using their personal, non-commercial, vehicles.1  They are the bane of the existence of many taxicab collectives, municipalities, and insurers2.  In this blog, we explore, generally, the potential insurance coverage issues for TNC drivers, and offer considerations for insurers when presented with related claims.

TNC drivers might assume that if they have personal automobile insurance, they are covered in the event of an accident. However, the issue is not that straightforward.   Several insurers have gone on the record to state that they do not provide such products and that TNC activities are not within the coverage grant afforded

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