Toronto Taxi Drivers pursuing class action against Uber
- Thread starter geeky
- Start date
IMHO this is correct. I recall having an accident during the day, and the insurance company asked if I was on business. Of course I said no, because I don't have that coverage.
Cover in a car you aren't insuring....yes, good luck, because they will expect the auto insurance company to provide. Uber drivers probably aren't insured for commercial use.
OHIP will cover the bare minimum....so if you had a life changing accident in an Uber car where you were disabled, you will get basic coverage and disability support. If you are hit by an Uber driver, good luck suing because their insurance won't cover them unless they claim they are providing the service.....so, back to possible minimal coverage by social assistance.
Also, your insurance will probably only cover a limited number of accidents from an uninsured driver, and in each instance you will pay your deductible. Generally the replacement value of a car is higher than the book value your insurance gives you, so if an Uber driver totals your car and isn't covered, you are SOL.
I think your information is based on the US. Here is a piece I found on Canada.
http://www.kennedyinsurance.ca/uber-drivers-passengers-face-serious-legal-insurance-consequences/
The biggest risk for drivers is that your auto insurance does not cover using your vehicle to carry passengers. This means that if you get in an accident while transporting a passenger, you could face serious liability and vehicle replacement costs. If you want to be an Uber driver, you have to add the Permission to Carry Paying Passengers endorsement to your insurance, and this can be costly.
Additionally, if you are using the vehicle to carry paying passengers, and don’t have the requisite municipal license, the endorsement will not be enough to get you out of hot water with the law as you are operating as a taxi in contravention of local bylaws. Cities such as Ottawa and Toronto are cracking down on Uber drivers, in some cases having bylaw officers book rides on the app and hand out fines to drivers who don’t have taxi licenses.
The worst case scenario for an Uber driver is that the vehicle policy is invalidated by undisclosed use to carry passengers, leaving you without auto insurance, making you liable for any legal or medical costs and making it harder – and more expensive – for you to get auto insurance in the future.
If you do choose to register your vehicle as a taxi, it must be properly licensed and insured commercially as a taxi – the Permission to Carry Paying Passengers endorsement is not enough.
I am sure they do and it makes sense. Some cab companies have apps as well but probably too late to the party- kind of like yellow pages
This article from 2 months ago explains how the traditional Toronto cab industry works - a corrupt monopoly:
http://www.theglobeandmail.com/glob...behind-torontos-cab-business/article25515301/
http://www.theglobeandmail.com/glob...behind-torontos-cab-business/article25515301/
Uber is a fantastic service, and they do provide some insurance coverage....
https://www.uber.com/driver-jobs
https://www.uber.com/driver-jobs
I believe Uber is currently looking into a blanket insurance policy for all its Canadian drivers, similar to what it has in the States. Frankly, I think it's deplorable that they are operating before that's in place, and therefore transferring all the responsibility to the drivers who sign up on their site that says their covered.
Yes you are right Uber has contacted Intact insurance and is working to get a policy that can work for all it's drivers. But what I understand from Uber is that they really don't care about laws and if they are asked to follow the laws or leave the city they are in they will end up leaving like it has happened in a few cities around the world. It's a good thing they have paid off some politicians and they have them on their side.
As of tomorrow Uber will be providing multi people rides in Toronto through their Uber X platform. Which Uber X is against the law since the drivers don't carry proper commercial and liability insurance and also against the by laws since they are public vehicles and providing multi people rides which is in direct competition against the TTC. Which is not a good side to be on for Uber if they want politicians support.
I don't understand why Uber keeps on wanting to do everything their way without following the law and what the rest of the industry is following.
I personally support Uber black platform but I will never use Uber X or any of their other platforms until they start following the rules and regulations.
At the same time I think that competition, and innovation in any industry is a great think not only for the customers but also for that said industry, what the issue with Uber is it's that they are not following the laws that they should be abiding by and that is bad for the industry.
Uber has deep pockets and I wouldn't be surprised if they have paid off some of the politicians in this city but going up against the TTC is a horrible thing for them to do which the city will and should not allow further they should make sure that Uber follows the law that the taxi industry is abiding by.
I think all of us would be upset in whatever industry we are in if a multi billion dollar company came in and was not following the same laws that we were abiding by and the politicians allowed it. So regardless of if it's beneficial to us in the short term to let Uber continue what they are doing let's push these politicians to do the right thing and regulate the taxi industry properly unlike what they have been doing in the last few decades.
Uber has deep pockets and I wouldn't be surprised if they have paid off some of the politicians in this city but going up against the TTC is a horrible thing for them to do which the city will and should not allow further they should make sure that Uber follows the law that the taxi industry is abiding by.
I think all of us would be upset in whatever industry we are in if a multi billion dollar company came in and was not following the same laws that we were abiding by and the politicians allowed it. So regardless of if it's beneficial to us in the short term to let Uber continue what they are doing let's push these politicians to do the right thing and regulate the taxi industry properly unlike what they have been doing in the last few decades.
The only thing uber does not pay for is a taxi license (not a taxi service) and union dues (not a taxi union)
