Tell the insurer how the vehicle is used
Delivery, transporting goods, business visits and paid passenger work can change the exposure.
Personal policies can exclude or restrict business uses
Do not assume a personal policy automatically covers every work activity.
Fleet and garage risks are different
Commercial auto insurance is a distinct market with its own forms and underwriting.
Ridesharing has specialty approved products
Ontario requires appropriate ridesharing coverage while a driver is in service.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.