Ridesharing - using your personal vehicle to carry other for compensation - received attention media in the last month ?. Much of the controversy and confusion surrounding companies like Uber, which help facilitate paid trips.
People like the idea of carpooling, but reliable information on the legality and insurance implications of this activity is difficult to find. We are about to change.
Is To book a legal place?
Although some cities and provinces are working to ban Uber, it's not the only problem. deal with individuals who choose to generate revenue by providing carpooling services in personal vehicles
the biggest problem is the following: whether services like Uber are legal, your insurance policy personal and class 5 license prohibit the use of your vehicle for hire -. and your rental car most probably banned as well
Does my personal car insurance cover me while transporting passengers Uber
unlikely ?. to our knowledge, no personal insurer in Alberta currently covers private vehicles used to transport passengers for compensation. This includes paid travel, whether or not a service like Uber is involved.
Why? The Alberta government has imposed a standard auto insurance policy, which is the sole carrier of the auto policy can sell for regular personal auto insurance in Alberta. This means that your personal auto insurance cover basic and exclusions are the same regardless of the company that sells you a personal auto insurance policy.
This exclusion can be found under general conditions, 8 (c) in the Alberta Automobile Policy SPF standard 1: "... the insurer will not be liable under this policy while automobile ... is used to transport passengers against compensation. "
My insurance company says they develop a cover for Uber drivers.
Account given the popularity of services like Uber, it is logical that insurers will develop new blankets to meet the needs of their customers. However, insurance is only part of the equation. the other side of the subject, few speak, is the fact that your coverage is void if you are driving your car illegally, no matter what kind of coverage you purchase.
Why this question ? This is where your license comes in. most Albertans have enabled standard 5 class operator, which not allow the passenger driver for hire.
This means that the use of car hire, as holder of the license class 5, is in violation of the restrictions of your license -. which can cancel your insurance and can be ticketed offense if you shot
The carpool company I use has an insurance policy $ 5,000,000. Will do for exclusions of my own insurance? Not necessarily. One application providers the most visible Voyages now claims that they provide $ 5,000,000 of contingent automobile liability for passengers, pedestrians and other third parties. That sounds impressive, but look carefully: they provide liability insurance to third parties. This means that the coverage they provide could cover injury or property damage to others if you are involved in an incident, but it probably will not cover damage to your own vehicle.
This is similar to carrying only liability insurance on your own policy covers others for injuries or damage you cause, but it does not cover you for damage to your own vehicle
another thing .: if you rented your car, you have another serious problem. Rental agreements usually contain a clause defining the permissible use of the vehicle, generally stating, "you must not use or permit the use of the vehicle ... to transport anyone." They can do this because the leasing company owns the vehicle and has the right to determine how it can be used by the person who rents it.
As you know, in violation of the terms of your contract is the cause for the vehicle to enter. Under the terms of your contract, this could expose you to additional financial implications, in addition to losing your mobility.
What's the final word? For now, "wait and see." At that time, one or more of the above concerns is likely to affect ordinary people who decide to use their vehicles for the purpose of carpooling. As tempting as it can be to make a quick profit or two using services like Uber, you are best to avoid legal security issues, financial and personal potential arising from the carpool activity.
blog Author: Stefan Tirschler | Account Executive | Rogers Signature Service
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