Are you saying that State Farm in NYS did not care that you do TFH/Riseshare/Uber? Are you saying that SF will provide coverage when you are online? Who did you speak to? The SF-agents are mostly unaware of SF-underwriters guidelines. You must forced them to ask the SF-underwriters to get a real answer.I called State Farm and they didnt care. They recommended that I up the coverage so that way there was more. But when I did my first pickup there was a waybill and when you have people in your car you are covered under that nation wide coverage. NYS even dictates that they have a certain level of coverage. So I didnt even bother changing my insurance. When they are in the car I have the extra coverage. This is how I look at it.
If you look at the recently enacted NYS law, these is a suspicious coincidence. The amount of insurance required is exactly the same as Uber/Lyft already offered nationwide. It is almost as if the Uber/Lyft lobbyists wrote that part of the law. (Psst. They did.)