January 29, 2020
Neinstein Personal Injury Lawyers' Sonia Leith talks about UberX's insurance with Global News
Neinstein Personal Injury Lawyers' Sonia Leith talks about UberX's insurance with Global News

Good evening.

Insurance matters when a crash happens. Regular taxi companies are upfront about their coverage. Others, not so much. Somebody to think about before you take that ride.

When hailing a taxi, passengers in Toronto can be assured. Drivers have proper insurance.

Every taxi is required to have $2 million commercial liability insurance, and the driver in the car has to be named on that policy.

But with ride-sharing services like UberX?

There's no indication that there any coverage at all.

But consumers may not know that.

I think they think it's the same type of coverage with a regular taxi, and absolutely it is not.

One UberX driver who got in an accident last month said he was confused about insurance. The company claims, there is liability insurance for its drivers, telling global news. "In the event of an accident during an Uber X trip, Uber support team and claims provider assist our driver-partners in collecting all relevant information and submitting a complete insurance claim. Our support of our driver-partners continues through the claim being resolved."

Insurance is mandatory in Ontario, so there's no reason why any company would resist disclosing the policy that they have.

UberX has refused to release details of it's covered setting competitive reasons, but last week in Ontario, court judge said there was no basis for that claim.

There is no sort of on the honor system. "Oh yeah, I have a policy." You have to show it. You have to prove it.

And if drivers don't have adequate insurance, you as a passenger may be in trouble after an accident.

Their own insurance company may be at Liberty to deny any claims because they were using that vehicle and properly.

At the end of the day, you know, whatever they may be saving, it might not be worth it.

Ridesharing drivers face provincial charges for not having insurance and could be charged with insurance fraud. Consumers who just care about saving money with Uber compared to a taxi may not be worried until an accident happens and find themselves in a fight for accident benefits and other covers that an insurance company may deny.

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