Uber & Lyft Accident Lawyer Toronto

Rideshare Accidents Are Not Like Ordinary Crashes

Uber and Lyft have transformed how Torontonians get around — and created a new, confusing layer of insurance questions when things go wrong. Who pays depends on exactly what the driver was doing at the moment of the crash: offline, waiting for a ride request, en route to a pickup, or carrying a passenger. Each phase triggers different coverage.

As an injured passenger you are almost always covered — but proving the right policy applies, and dealing with both the rideshare company's insurer and the at-fault driver's insurer, is exactly where an experienced lawyer earns their fee. The same no-fault accident benefits and tort claim framework applies as in any Ontario car accident.

How Rideshare Insurance Coverage Works in Ontario

Uber and Lyft carry commercial insurance policies (often up to $1 million in third-party liability) that apply while a driver is actively working. During the "available/waiting" phase, coverage is more limited; while carrying a passenger or en route to one, the full commercial policy typically applies. Determining which phase — and which policy — governs your claim requires investigation of trip records and telematics, which we obtain through the claim process.