Uber in Waterloo Region

[ookpik]

I think I don't know enough about their system to understand the distinction. If he was logged in to the app, he was looking for a fare, right? So he's working, even though he may not have a passenger at that exact moment.

Exactly. So if he was working his personal auto insurance would not be in force. Thus my inference that Uber paid. Whether they did it out of their own pocket (self insured) or through their insurer isn't stated. But either way Uber stood behind the driver.

This is important because at least in Ontario insurers have emphasized that drivers need commercial insurance and Uber responded that they don't because Uber carries some unspecified proprietary insurance.

Here's an article I just found via Google: Crash leaves Toronto UberX driver confused about insurance. It seems the Star has been covering this issue for the past several months. Google on "toronto star uber insurance."