Uber - Are You Covered Under Insurance If Injured?

Uber, the rideshare application, is here to stay in Toronto. What riders and drivers need to understand is there can be issues regarding coverage should you get into an accident while riding in an Uber car, or are involved in a collision with a vehicle being driven by an Uber driver.

Accidents Occurring Before July 2016

If a rider or a driver had an accident with an Uber driver where the Uber driver was at fault prior to July 2016, the insurer of the Uber driver may deny third party liability coverage to the Uber driver.

Under the standard policy of insurance that is provided to individual drivers in Ontario, there is an exclusion clause that states that coverage may not be extended to the driver if the automobile is being used to carry passengers for compensation. In the circumstances where an Uber driver's insurance does not extend third party liability coverage to the driver, this leaves the Uber driver personally exposed to a claim for damages resulting from