Insurance for Uber, Lyft and Other TNC Drivers – Close the Gaps

If you drive for Uber, Lyft, or another Transportation Network Company (TNC), there’s good news on the insurance front. Several insurance carriers are now offering a personal auto insurance policy endorsement to close a coverage gap for TNC drivers. We work with Plymouth Rock Assurance and Mapfre Insurance, which now provide such endorsements.

Massachusetts law requires that drivers inform their insurer if they are driving for a TNC. Because there are often insurance gaps, drivers need to clearly understand the details of how the TNC provided insurance and their personal auto insurance coverage work and take action to resolve any issues.

Causes of the Gap in Coverage

When Transportation Network Companies (TNCs) like Uber and Lyft emerged, it created a new insurance risk because Personal Auto Insurance policies exclude coverage when a vehicle is used as a public or livery conveyance for a fee. Massachusetts has passed laws requiring TNCs to provide insurance for their drivers; however, there remains a coverage gap.

As soon as you sign on to the TNC app but haven’t matched up with a fare (referred to as Period 1: App On), your personal auto policy stops providing coverage, and the TNC-offered insurance policy may only provide limited coverage during this time period; however, you don’t want your protection to fluctuate depending on the circumstance. You want it to be consistent and reliable.

The Solution

The personal auto insurance policy endorsements offered by Plymouth Rock Assurance and Mapfre Insurance extend your auto insurance coverage limits to cover drivers during TNC Period 1, when you’re signed into the TNC App but haven’t yet matched up with a fare. The endorsements vary slightly regarding the rules of eligibility and applicability but essentially provide the same coverage.

Our insurance professionals can help you determine which company offers the best solution for your needs. If you’re driving for a TNC or considering doing so, please Contact Us to discuss your options.

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