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Uber and Lyft Car Insurance

Discussion in 'Insurance' started by Uber & Lyft Insurance, Feb 9, 2016.

  1. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    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.
     
    Last edited: Feb 17, 2016
    VegasR, Jamie Coalsten and 14gIV like this.
  2. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    Arizona
    The required coverage limits in Arizona can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $25,000 per person for injury or death
    $50,000 per incident for injury or death
    $20,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $250,000 for death, personal injury, and property damage
    $250,000 Uninsured/Underinsured Coverage

    Period 3 Limits (Passenger is in the vehicle):
    $250,000 for death, personal injury, and property damage
    $250,000 Uninsured/Underinsured Coverage


    Carriers/Agents:
    Farmers
    - Phoenix - Scott Miranda - 602.680.0879
    Mercury

    Effective in Arizona: February 29, 2016

    Resources:
    http://www.azleg.gov/legtext/52leg/1r/bills/hb2135s.pdf
    House Bill 2135

    California
    The required coverage limits in California can be provided by the TNC, Driver, or a combination of both.
    California’s TNC insurance bill makes the million dollar policy the primary policy instead of the personal auto policy.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies).
    Commercial policy required in California.


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $30,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Farmers
    Mercury
    Metromile
    State Farm - Kyle Middleton - 877-355-1009
    USAA

    Effective in California: July 1, 2015

    Resources:
    http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB2293
    Assembly Bill 2293

    Colorado
    The required coverage limits in Colorado can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.


    Period 1 Limits (when APP is turned on):
    No Required Coverage – Known Gap in Colorado
    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Farmers
    - Denver - Kathleen Patterson - 303-923-5400
    Allstate
    State Farm
    USAA

    Effective in Colorado: January 15, 2015

    Resources:
    http://www.leg.state.co.us/clics/cl...1166B28FC87257C4300636F6B/$FILE/SB125_upd.pdf
    http://www.leg.state.co.us/clics/cl...4091166B28FC87257C4300636F6B/$FILE/125_01.pdf
    Senate Bill 14-125

    District of Columbia (D.C.)
    The required coverage limits in D.C. can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Erie

    Effective in D.C.: November 18, 2014

    Resources:
    https://legiscan.com/DC/bill/B20-0753/2013
    Washington D.C. Council Bill 200753

    Georgia
    The required coverage limits in Georgia can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.


    Period 1 Limits (when APP is turned on):
    $100,000 per person for injury or death
    $300,000 per incident for injury or death
    $50,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Geico

    Effective in Georgia: January 1, 2016

    Resources:
    http://legislativenavigator.myajc.com/#bills/HB/190
    http://www.legis.ga.gov/Legislation/en-US/display/20152016/HB/225
    House Bill 190
    House Bill 225

    Illinois
    The required coverage limits in Illinois can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage
    $50,000 Uninsured/Underinsured Coverage


    Carriers/Agents:
    Erie
    Farmers
    Travelers
    Metromile
    Allstate
    USAA

    Effective in Illinois: January 12, 2015

    Resources:
    http://ilga.gov/legislation/fulltex...um=2774&GAID=12&LegID=78615&SpecSess=&Session=
    Senate Bill 2774

    Indiana
    The required coverage limits in Indiana can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Erie

    Effective in Indiana: May 5, 2015

    Resources:
    https://iga.in.gov/legislative/2015/bills/house/1278#
    House Bill 1278

    Maryland
    The required coverage limits in Maryland can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    $1,500,000 Uninsured/Underinsured coverage

    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage
    $1,500,000 Uninsured/Underinsured coverage


    Carriers/Agents:
    Erie
    Geico

    Effective in Maryland: January 1, 2016

    Resources:
    http://mgaleg.maryland.gov/2015RS/bills/sb/sb0868t.pdf
    Senate Bill 868

    Massachusetts
    Pending Legislation

    Period 1 Limits (when APP is turned on):
    N/A – Known Gap in Massachusetts
    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    USAA

    Effective in Massachusetts: Pending Legislation

    Resources:
    http://www.mass.gov/governor/legisl...ight-of-transportation-network-companies.html

    House Bill 3581
     
    Last edited by a moderator: Feb 18, 2017 at 1:03 PM
    SFAgentKyle and LAuberX like this.
  3. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    Nevada
    The required coverage limits in Nevada can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,500,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,500,000 for death, personal injury, and property damage

    Carriers/Agents:
    Farmers
    Mercury

    Effective in Nevada: May 29, 2015

    Resources:
    https://www.leg.state.nv.us/App/NELIS/REL/78th2015/Bill/1544/Text
    Assembly Bill 175

    New Jersey
    Pending Legislation

    Period 1 Limits (when APP is turned on):
    N/A
    Period 2 Limits (A match is made on APP):
    $1,500,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,500,000 for death, personal injury, and property damage
    $1,500,000 Uninsured/Underinsured coverage


    Carriers/Agents:
    N/A

    Effective in New Jersey: Pending Legislation

    Resources:
    https://legiscan.com/NJ/bill/A3765/2014
    Assembly Bill 3765


    North Carolina
    The required coverage limits in North Carolina can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,500,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,500,000 for death, personal injury, and property damage

    Carriers/Agents:
    Uber Auto Insurance
    Progressive

    Effective in North Carolina: September 4, 2015

    Resources:
    http://www.scstatehouse.gov/sess121_2015-2016/bills/3525.htm
    http://www.ncleg.net/Sessions/2015/Bills/Senate/PDF/S541v0.pdf
    House Bill 3525 & Senate Bill 541

    Ohio
    The required coverage limits in Ohio can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies).
    Commercial policy/endorsement required in Ohio.


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage
    $50,000 Uninsured/Underinsured Coverage


    Carriers/Agents:
    Geico
    Erie - Cleveland/Akron - Brad Sussman - 844-200-4800
    Farmers - Cincinnati/Dayton - Gary Rasmussen - 513-445-5045

    Effective in Ohio: March 23, 2016

    Resources:
    https://www.legislature.ohio.gov/legislation/legislation-summary?id=GA131-HB-237
    http://www.ohiopia.com/newsdetails.aspx?article=153124865
    Ohio House Bill 237


    Pennsylvania
    Pending Legislation

    Period 1 Limits (when APP is turned on):
    $1,000,000 for death, personal injury, and property damage
    $5,000 Medical
    $50,000 Comprehensive/Collision Coverage
    $1,000,000 Uninsured/Underinsured coverage

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    $5,000 Medical
    $50,000 Comprehensive/Collision Coverage
    $1,000,000 Uninsured/Underinsured coverage

    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage
    $5,000 Medical
    $50,000 Comprehensive/Collision Coverage
    $1,000,000 Uninsured/Underinsured coverage


    Carriers/Agents:
    Erie
    Geico

    Effective in Pennsylvania: Pending Legislation

    Resources:
    http://www.legis.state.pa.us/CFDOCS...d=0&billBody=S&billTyp=B&billNbr=0763&pn=0810
    Senate Bill 763


    South Carolina
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $50,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Geico

    Effective in South Carolina: July 14, 2015

    Resources:
    http://www.scstatehouse.gov/sess121_2015-2016/prever/3525_20150618.htm
    Senate Bill 3525


    Tennessee
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.

    Period 1 Limits (when APP is turned on):
    $1,000,000 for death, personal injury, and property damage
    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Erie

    Effective in Tennessee: May 20, 2015

    Resources:
    http://wapp.capitol.tn.gov/apps/BillInfo/Default.aspx?BillNumber=HB0992
    House Bill 0992

    Texas
    The required coverage limits in Texas can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.
    The driver’s TNC coverage can satisfy financial responsibility requirements for the state (replace personal policies)


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $25,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,500,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,500,000 for death, personal injury, and property damage

    Carriers/Agents:
    Allstate
    USAA
    Geico
    Farmers
    Garrison Property and Casualty
    Metropolitan Lloyd’s Insurance Company of Texas

    Effective in Texas: January 1, 2016

    Resources:
    http://www.pciaa.net/pciwebsite/cms/content/viewpage?sitepageid=41959
    http://www.legis.state.tx.us/BillLookup/History.aspx?LegSess=84R&Bill=HB1733
    House Bill 1733

    Utah

    The required coverage limits in Utah can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.

    Period 1 Limits (when APP is turned on):
    $1,000,000 for death, personal injury, and property damage
    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Farmers

    Effective in Utah: April 1, 2014

    Resources:
    http://le.utah.gov/~2014/bills/static/HB0024.html
    House Bill 24

    Virginia
    The required coverage limits in Virginia can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.


    Period 1 Limits (when APP is turned on):
    $125,000 per person for injury or death
    $250,000 per incident for injury or death
    $50,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Geico
    Allstate

    Effective in Virginia: February 16, 2015

    Resources:
    http://lis.virginia.gov/cgi-bin/legp604.exe?151+sum+HB1662
    House Bill 1662
     
    Last edited by a moderator: Feb 20, 2016
  4. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    Washington
    The required coverage limits in Washington can be provided by the TNC, Driver, or a combination of both.
    Personal auto insurance policies are legally allowed to exclude (not cover) TNC activities.


    Period 1 Limits (when APP is turned on):
    $50,000 per person for injury or death
    $100,000 per incident for injury or death
    $30,000 per incident for property damage per accident

    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    $1,000,000 Uninsured/Underinsured coverage

    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage
    $1,000,000 Uninsured/Underinsured coverage


    Carriers/Agents:
    Metromile
    USAA

    Effective in Washington: May 11, 2015

    Resources:
    http://apps.leg.wa.gov/billinfo/summary.aspx?bill=5550
    Senate Bull 5550


    Wisconsin
    The required coverage limits in Wisconsin can be provided by the TNC, Driver, or a combination of both.

    Period 1 Limits (when APP is turned on):
    Known gap in Wisconsin
    Period 2 Limits (A match is made on APP):
    $1,000,000 for death, personal injury, and property damage
    Period 3 Limits (Passenger is in the vehicle):
    $1,000,000 for death, personal injury, and property damage

    Carriers/Agents:
    Erie
    Farmers

    Effective in Wisconsin: May 1, 2015

    Resources:
    http://docs.legis.wisconsin.gov/2015/related/proposals/ab143
    Assembly Bill 143
     
    Last edited by a moderator: Feb 15, 2016
    Abigail David likes this.
  5. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    Both Uber and Lyft carry commercial insurance policies for their drivers when the application is in use. Uber’s policy is through James River Insurance Company and Lyft’s policy is through Marsh Risk & Insurance Services.

    The commercial coverage provided by the TNC does not replace your personal state required policy, but may cover the risk your personal insurer does not.

    These coverages are the minimum. Both Uber and Lyft will extend to meet state legislation and cover what is required by law. To make sure you fully understand how the TNC’s commercial insurance policies may impact your personal insurance, it’s important to speak to an insurance professional to see how the coverages apply to you and your policy.

    Period 1 -
    Period 1 coverage is the same for both companies Uber and Lyft. This coverage only steps in when your personal coverage denies coverage. These limits may change depending on State Law (see requirements by state above). Application must be turned on for the coverage to apply.

    Uber and Lyft (all coverages below are contingent):
    $50,000 limit per Individual
    $100,000 limit per Accident
    $25,000 limit for Property Damage per Accident
    No Deductible

    Period's 2 and 3 -
    Period’s 2 and 3 have the same coverages for both Uber and Lyft, but different deductibles (the amount paid out of the driver’s pocket). These limits may change depending on State Law (see requirements by state above). These coverages apply when a ride has been initiated or had already begun.

    Uber:
    $1 Million Liability Coverage
    $1 Million Underinsured/Uninsured Coverage
    *Contingent Comprehensive/Collision Coverage - this is up to the cash value of the vehicle with a $1,000 Deductible

    Lyft:
    $1 Million Liability Coverage
    $1 Million Underinsured/Uninsured Coverage
    *Contingent Comprehensive/Collision Coverage up to $50,000 with a $2,500 Deductible

    *The contingent coverages (comprehensive/collision) are required to be listed coverages on the driver’s personal policy to be applied by the TNC.


    The following links show the TNC policies by State:

    Uber Policies by State:
    https://newsroom.uber.com/certificates-of-insurance-u-s-ridesharing/

    Lyft Policies by State:
    https://help.lyft.com/hc/en-us/articles/213815188-Lyft-Certificate-of-Insurance

    Below are the coverage grids released by the TNC companies:

    image.jpeg


    image.png
     
    Last edited: Mar 6, 2016
    Abigail David likes this.

  6. Scottie Boy

    Scottie Boy New Member Sponsor

    Location:
    Phoenix,AZ
    Good stuff
     
  7. GGDaddy

    GGDaddy Well-Known Member

    Location:
    Washington, DC
    Driving:
    UberX
    Great info, thank you!

    USAA appears to be a carrier in most states, but are not listed in Virginia. Does that mean they don't offer TNC coverage here for Period 1?
     
    Abigail David likes this.
  8. Uber & Lyft Insurance

    Uber & Lyft Insurance New Member Staff Member

    Great Question! Unfortunately, USAA does not carry TNC coverage in Virginia at this time. Currently Geico and Allstate have TNC coverage in Virginia.
    USAA publishes a number to call to verify coverage by state. That number can be found in this article: https://communities.usaa.com/t5/USAA-News/Insight-Ridesharing-Requires-Coverage/ba-p/61343
     
    Abigail David and Drivincrazy like this.
  9. GGDaddy

    GGDaddy Well-Known Member

    Location:
    Washington, DC
    Driving:
    UberX
    Thanks very much for the info!
     
  10. Michael - Cleveland

    Michael - Cleveland Well-Known Member

    Location:
    Great Lakes
    Driving:
    UberSELECT
    Effective 23 March 2016, in Ohio, by law, the TNC is not permitted to require a driver's personal auto policy to first deny a claim.

    Sec. 3938.02.
    (A)(1) Each transportation network company driver shall be covered by a primary automobile insurance policy that recognizes that the driver is a transportation network company driver or otherwise uses a vehicle to transport passengers for compensation and provides coverage during both of the following periods of time:

    (a) While the driver is logged on to the transportation network company's digital network;
    (b) While the driver is engaged in transportation network company services.

    (2) The primary automobile insurance policy required by division (A)(1) of this section shall meet the following coverage requirements:

    (a) While a transportation network company driver is logged on to the transportation network company's digital network and is available to receive transportation requests but is not engaged in transportation network company services, primary automobile insurance shall be maintained in the following amounts:

    (i) At least fifty thousand dollars because of bodily injury to or death of one person in any one accident;
    (ii) At least one hundred thousand dollars because of bodily injury or death of two or more persons in any one accident;
    (iii) At least twenty-five thousand dollars because of injury to property of others in any one accident.

    . . .

    (3) The insurance required by divisions (A)(1) and (2) of this section may be satisfied by either of the following or a combination of the following:

    (a) An automobile insurance policy that is maintained by the transportation network company driver ;
    (b) An automobile insurance policy that is maintained by the transportation network company .

    (B)
    (1) If personal automobile insurance maintained by a transportation network company driver does not provide liability coverage in the amounts required by division (A)(2) of this section, insurance maintained by the transportation network company shall provide the required coverage, beginning with the first dollar of the claim and shall have the duty to defend the claim.

    (2) An automobile insurance policy maintained by a transportation network company in accordance with this section shall not require the driver's personal automobile insurer or policy to first deny a claim before providing coverage.
     
    Last edited: Mar 6, 2016
    Jamie Coalsten likes this.
  11. RamzFanz

    RamzFanz Well-Known Member

    Location:
    Saint Louis
    This is great info. It's nice to see the myths cleared up.

    However, I do see a problem with this wording:

    It does replace your state policy while in periods 2 and 3. Not that your personal policy isn't still required by the state, but for filing purposes, the TNC insurance is the primary while a personal policy is almost certainly of no value at all. Also, may is not an accurate operative word. Will or is intended to seems more accurate. I know of no incident where they failed to pay exactly as described. Do you? It seems to imply that they may not pay which is not a reasonable description from all that I've read. They seem to pay in full every time and quickly. They are also required to live up to their published coverages by state laws, are they not?
     
    Jamie Coalsten likes this.
  12. Michael - Cleveland

    Michael - Cleveland Well-Known Member

    Location:
    Great Lakes
    Driving:
    UberSELECT
    I think the word may was used because the law as written it in Ohio doesn't require one or the other to provide coverage, it requires either or both. In other words, if your personal policy covers commercial use the PNC is not required to cover you.
     
  13. @earth_to_jen

    @earth_to_jen Member

    Location:
    Florida
    Driving:
    Taxi
    The massive blackhole insurance gap in Florida no one mentions is "period zero" when driver is off duty or turned app off. Besides the app on gap of no PIP and possibly no collision on your car. No insurer in Florida covers an Uber driver On duty or off duty. Its cat and mouse. They keep collecting your premiums,but in a big loss crash with a four door car all they need to do is subpeona Uber, your bank starements etc. And your off duty goose is cooked. There is a Joint Insurance Underwriters Association FAJUA that is mandated by FLOIR to insure Uber drivers(and other risk category groups) for personal driving.
     
  14. Lion88

    Lion88 New Member

    Location:
    Arizona
    Commercial car insurance policy will help you to defend the investment you have made in your vehicles and your employees.
     
    Last edited by a moderator: Mar 16, 2016
    Jamie Coalsten likes this.
  15. Wheelman

    Wheelman Active Member

    Location:
    Indianapolis
    Driving:
    UberXL
    Thanks to the OP for posting this. Glad to see the driver universe starting to wake up. I fear however that the vast preponderance of drivers are still out there blissfully risking all on a personal insurance policy. They are committing insurance fraud and will rightfully be left high and dry (and very exposed) in the event of an incident.

    I got Erie business coverage in Indiana and it was very reasonable, about a 40% premium over personal coverage.
     
    Mypetshort likes this.
  16. 7H3LaughingMan

    7H3LaughingMan New Member

    Location:
    Austin
    You might need to update this since it is is $1,000,000 for death, bodily injury, and property damage for each incident during Period 2 & Period 3. I can't include the link since I have received a like yet.

    Also had some questions, took a look at the Uber/Lyft Insurance Documents. Do they cover Period 1, Period 2, & Period 3 for Texas?
     
  17. mjk1210

    mjk1210 New Member

    Location:
    Bolingbrook, IL
    Driving:
    UberX
    Illinois now has Geico commercial as an option for coverage. I just did a quote and signed up today. Wasn't willing to risk driving until I got that taken care of. Best part is that I didn't have to put all my autos and home policy with them. They don't offer a loan payoff option so I didn't want to switch my wife's newer car and Erie required everything or nothing. My uber car is a 2006 accord so most of the depreciation has occurred already even though I have a loan I won't lose as much if something happens. Progressive simply doesn't offer ride-sharing coverage in IL yet so Accord is with Geico and other cars and home still with progressive. Drive save out there
     
  18. Healthygal

    Healthygal New Member


    Who is covering insurance like this in the state of Florida, specifically Brevard County?
     
    Bedeeda likes this.
  19. UberDriver512

    UberDriver512 Active Member

    Location:
    Austin, TX
    OK I have a question here. I spoke to a Texas insurance broker. She said that my personal auto insurance may not cover me when I drive, but that Progressive just started writing personal auto insurance with a "ridesharing" endorsement. My insurance carrier is not listed on this thread. I called them and they said they would specifically exclude Uber/Lyft and the like.

    I called Progressive and they said that they can write a personal insurance policy with a ridesharing endorsement, of course it will cost more money and I would have to agree to install their Snapshot device in my car as well.

    I looked at my current insurance and it meets the new 2016 Texas insurance requirements for increased insurance coverage when driving for Uber. I have reviewed this thread, and from what it appears, even though my current insurance will deny coverage, Uber's insurance assumes coverage when the app is turned on and I am logged in as a driver (regardless of assignment, or no assignment).

    So, assuming my current insurance company will deny coverage, and Uber's picks up where mine leaves off, am I ok currently?

    What does the Progressive Insurance "ridesharing" endorsement add on? How much more would it cost versus getting a personal policy with the same car and same coverage through Progressive but without the ridesharing endorsement?

    Trying to see what the raw cost difference is, and what their endorsement would actually cover. I don't see the need to buy Progressive's Insurance with the ridesharing endorsement if (1) it is not needed and (2) it is expensive.
     
  20. uberboise

    uberboise Member

    Location:
    Boise
    Driving:
    UberX
     

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