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Am I covered if I use my car for Uber?
Provincial regulations have specific guidelines as to what is and is not personal use for your vehicle. Carrying paying passengers is not a coverage under your personal auto policy. Whether or not your automobile will be used to “carry passengers for compensation” would have been addressed as one of the questions you answered on the original application for insurance.
If you have an accident while using your vehicle as an Uber driver, you could face serious financial challenges in both the costs to repair your vehicle and liability expenses. Property damage costs will likely be your responsibility. Another consideration is, if your passenger is injured in an accident while you are using your vehicle as an Uber driver and your claim is denied, your personal automobile insurance policy may not respond to cover injuries.
Finally, if you’re using your vehicle to carry paying passengers and do not have the required municipal license, you could be facing a fine by local bylaw officials. Cities such as Toronto, Ottawa and others are ticketing and fining Uber drivers. Driving for a ride sharing company such as Uber may lead to significant coverage issues and may result in your policy cancellation.
