If you are driving for Uber or Lyft or any app-based transportation network company (TNC), it's very important that you understand your insurance and risk. Most drivers have personal auto insurance which is required by state law to operate a vehicle. However, the personal auto policy you have likely does not include driving for business use, such as driving for a TNC, due to having built in exclusions. Most TNC's are required by law to have insurance that covers you when you are en-route to pickup and when you are carrying a passenger. This does not cover the period of time when you have the app turned on, but have yet to be matched with a passenger which may be already excluded in your personal auto policy. This means both the TNC and your personal insurance can deny a claim and leave you without any coverage and a large responsibility. Several insurance companies are now adding specialized commercial rates or endorsements to current policies which can cover this gap in coverage. In this post we have included state by state insurance laws for TNC drivers as well as contact information for qualified agents. Not having the correct coverage while driving for money can be very risky. For this reason, it's important to speak to an insurance professional about the policies and coverage options available to determine which will best fit your specific needs.There are some states that do not offer specialized insurance coverage for TNCs. We will continue to update the state laws and insurance carriers providing services as they become available. The three periods of coverage in the TNC driving process: Period 1: The time period from when you turn on your app until you accept a ride or are "matched" with a rider. This is the time you are working without a driver assignment (most common gap in coverage). Period 2:Once you accept the match/ride and are in transit to pick up the rider(s). This is the period of time you have an assignment, but no passenger (this ends when the rider enters the vehicle). Period 3: This time begins when the rider enters the rideshare vehicle and is finished once that transaction has ended. The cycle either repeats itself or it ends if the app is turned off.