03/25/2026
In Ontario, Uber drivers and passengers may both qualify for compensation in the event of an accident while utilizing the Uber platform. Uber offers insurance coverage for drivers and passengers, with the extent of coverage dependent on the specific circumstances surrounding the accident.
For Uber drivers, there are generally three coverage periods:
1. When the driver is online but has not yet accepted a ride request, Uber provides contingent liability coverage for bodily injury and property damage to third parties, up to a specified limit.
2. Once the driver has accepted a ride request and is on the way to pick up the passenger, Uberās commercial insurance policy covers bodily injury and property damage to third parties, as well as the driverās own injuries and vehicle damage, subject to certain deductibles.
3. While the driver is actively transporting a passenger, Uberās commercial insurance policy offers the most comprehensive coverage, including liability coverage for third-party injuries and property damage, as well as coverage for the driverās own injuries and vehicle damage.
For passengers, Uber provides insurance coverage for bodily injury and property damage if they are involved in an accident while riding in an Uber vehicle, regardless of fault. It is crucial for both drivers and passengers to carefully review Uberās insurance coverage terms and understand any potential limitations or exclusions.
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