10/23/2022 0 Comments Public or livery conveyance![]() ![]() If you are considering using a ridesharing service, you should: How do I know if I’m covered as a passenger? The nature and scope of coverage provided by the TNC varies from company to company, and its coordination with the driver’s personal auto policy can leave uninsured gaps, in some cases significant. 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. #PUBLIC OR 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. #PUBLIC OR 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.
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