LIVERY CONVEYANCE DRIVERS
LIVERY CONVEYANCE DRIVER

Personal auto insurance generally excludes coverage when transporting passengers for a fee.Īn increasing number of TNCs are indicating that they are going to provide some protection by covering the driver’s commercial exposure for liability and collision coverage.

LIVERY CONVEYANCE DRIVERS

Drivers are using their personal vehicles. In fact, various state regulators have issued consumer alerts to warn the public about possible risks of using a ridesharing app when riding as a passenger. However, they have drawn increasing attention from state regulators and legislators concerned that the public may not be properly protected. Transportation Network Companies (TNCs) such as Uber or Lyft are not subject to the same requirements.

LIVERY CONVEYANCE DRIVER

Taxis are licensed by the state or a local authority and subject to strict standards, from vehicle inspection and driver licensing to insurance that protects passengers and others who could be hurt in an accident. Ridesharing is not the same as riding in a taxi or limousine. Why is ridesharing an issue for passengers? Used with permission from Insurance Agents & Brokers © 2015 While Partners Mutual Insurance does not provide any optional coverage specific to this use, we will continue to follow the personal auto industry’s response to closing these coverage gaps. Between challenges from Public Utility Commissions, restrictions on licenses to operate, and the Legislature contemplating new laws to address proper insurance coverage, among other things, the issue is not settled. You are logged out after dropping off your last passenger, and heading home.You are logged out and not transporting a passenger.You are logged in and transporting a passenger.You are available for hire (logged into the app) but not transporting a passenger.At the minimum, you should find out how the TNC will cover you when:

At this time, coverage gaps still exist in a number of circumstances.Įxamples are a great way to get a better understanding between you and the TNC and/or the insurer and to identify potential gaps. The timing and circumstances of the accident will have a bearing on whether coverage is afforded or not.

Talk to your agent about what your personal auto policy may cover if you are involved in an accident.Īlthough insurance issues are often downplayed by TNCs, the coordination between the commercial and the personal auto policies can pose challenges.

Find out what the TNC will cover for your commercial exposure, including when coverage starts and when it ends, and.

If you are considering becoming a driver for a TNC, you should: How do I know if I’m covered as a driver?

Whether their coverage would be primary.

Some may also offer Uninsured/Underinsured motorist coverage, something that can protect you when you are involved in an accident with an at-fault driver who had insufficient coverage or no coverage at all (which happens all too frequently). What if my Transportation Network Company tells me I’m covered when I drive for them?Īn increasing number of TNCs are indicating that they are going to cover the driver’s commercial exposure for liability and collision coverage. Regulators in many states have been issuing consumer alerts to warn the public about possible implications when signing up as a driver – or as a passenger – with the ridesharing apps. Other restrictions could apply, so even if you don’t see a specific exclusion, you should not assume that there is coverage under the personal auto policy. Some policies have even stronger exclusions that exclude any coverage when the driver is available for hire. Most standard personal auto policies exclude coverage for “public or livery conveyance ” in other words, the use of the vehicle to transport passengers for a fee.

Livery conveyance