UberX drivers have a lot to worry about these days: angry taxi drivers, ticket-happy bylaw officers, even whether they’ll be allowed to continue operating in some cities. But perhaps the most pressing concern is one many aren’t even aware of: Their personal auto insurance is unlikely to cover them in the event of accident.
Take the case of Tawfiqul Alam, an UberX driver in Toronto who was T-boned by a red-light runner while transporting a passenger on June 9. The accident sent both him and his passenger to hospital and totalled his minivan.
But the real shock came later, when Alam went to file a claim with his insurance company and was told that his personal policy was invalid because he was driving passengers for pay.
Kristine Owram -Financial Post – August 25, 2015.