Understanding TNC (Transportation Network Company Insurance

Uber TNC Insurance Services

As a driver who partners with rideshare platforms like Uber, or Lyft, you operate under the umbrella of a Transportation Network Company (TNC). Because your vehicle is used for both personal and business purposes, your insurance situation is unique—and often more complex than standard auto coverage.

TNC Insurance is designed to bridge this gap. It provides protection during the times you’re driving for Uber or other delivery/rideshare operation and interacting with an app. Unlike regular personal auto insurance, TNC coverage accounts for the various stages of the driving process—from waiting for a ride request to actively transporting passengers.

Uber’s TNC Coverage at a Glance

Uber offers different levels of coverage depending on your activity in the app:

1. App Off (Personal Use)

   • When the Uber app is off, your personal auto insurance applies. Uber’s coverage does not apply during this time.

2. App On – Waiting for a Ride Request (Period 1)

   • Liability Coverage: Up to $50,000 per person for injuries, $100,000 per accident, and $25,000 for property damage.
   • This covers accidents caused by you while waiting to connect with a passenger.

3. On the Way to Pick Up a Passenger or While En Route (Periods 2 & 3)

   • Comprehensive & Collision Coverage: Up to the actual cash value of your car (with a deductible).
   • Auto Liability Coverage: Up to $1 million for accidents involving injuries or property damage.
   • Uninsured/Underinsured Motorist Coverage: Also included for added protection.

This structure helps ensure that drivers have the right type and amount of coverage whenever they’re driving for Uber.

Coverage Gaps and Considerations

The Period 1 Gap

The most significant coverage gap occurs during Period 1. While Uber provides contingent liability coverage, it:

• Only activates if your personal insurance denies the claim
• Doesn't include comprehensive or collision coverage for your vehicle
• May leave you with substantial out-of-pocket expenses

High Deductibles

During Periods 2 and 3, Uber's comprehensive and collision coverage comes with a $2,500 deductible, which can be financially burdensome for many drivers.

Why TNC Insurance Matters

Traditional personal auto insurance policies typically exclude coverage when you're driving for profit. This creates a significant risk for rideshare drivers who may find themselves without protection during certain phases of their driving activities. TNC insurance ensures continuous coverage from the moment you turn on your rideshare app until you complete your last trip of the day.

Contact Professional Insurance Center and get protected fast! Our team will work directly with you to provide the right TNC Insurance Options for success. We can help you understand your risks and provide expert advice on how to protect yourself against unforeseen circumstances.

Call 800-926-1212 to Start Your Customized TNC Insurance Solution - Protecting Every Mile You Drive.

 

PIC's Rideshare Insurance Coverage Options:

Even with Uber’s TNC insurance in place, gaps can still exist—especially when your personal auto insurer excludes coverage for ridesharing. To stay fully protected, many drivers choose to add Rideshare Insurance to their existing policies.

Why Consider PIC's Rideshare INSURANCE Coverage?

• Eliminates Coverage Gaps: Personal auto policies often won’t cover accidents that occur while the rideshare app is on but before a trip is accepted.
• Bridges Period 1 Gaps: Some rideshare policies extend coverage for the “waiting period” before Uber’s full commercial coverage activates.
• Protects Your Vehicle: Ensures your vehicle and liability coverage are consistent across all driving phases.
• Maintains Policy Continuity: Keeps both your personal and rideshare driving under the same insurer, simplifying claims and billing.

Coverage Features May Include:

• Comprehensive and Collision Protection (with your chosen deductibles)
• Liability Coverage Enhancements
• Uninsured/Underinsured Motorist Coverage
• Medical Payments Coverage
• And other protections - just ask our TNC Insurance Specialists! We are here to help you.

Each insurer’s policy terms can differ, so working with experienced professionals—like those at Professional Insurance Center—is essential to ensure you have the right protection for your driving needs.

If you are looking for a dedicated Rideshare/TNC insurance company that will help you get the customized coverage you’re looking for, then turn to the Professional Insurance Center today and start your FREE INSURANCE QUOTE TODAY!

CHOOSING THE RIGHT RIDESHARE INSURANCE COVERAGE

For Part-Time Drivers

• Add a rideshare endorsement to your personal policy
• Consider gap coverage for deductibles
• Ensure Period 1 protection

For Full-Time Drivers

• Explore hybrid or commercial policies
• Maximize liability limits
• Include comprehensive business protections

Key Questions to Ask PIC AgentS:

1. Does this policy cover all three rideshare periods?
2. What are the deductibles for each coverage type?
3. Is there coverage for lost income if my vehicle is damaged?
4. Are there restrictions on the number of hours I can drive?
5. Does coverage extend to food delivery services?

State-Specific Requirements

Insurance requirements vary by state. Some states mandate:

• Higher liability limits (e.g., New Jersey requires $1.5 million)
• Specific Period 1 coverage minimums
• Uninsured motorist protection
• Medical payments coverage

Always verify your state's specific TNC insurance requirements with your Department of Motor Vehicles or Public Utilities Commission. Ask PIC's specialists, we are here to help you get the best options and get covered to meet or exceed all your States TNC Insurance requirements.

 

Best Practices for Rideshare Drivers

1. Never rely solely on Uber's insurance - Maintain appropriate personal coverage
2. Document everything - Keep records of when you're online and offline
3. Report accidents immediately - To both Uber and your personal insurer
4. Review coverage annually - As regulations and options evolve
5. Consider an umbrella policy - For additional liability protection

Contact Professional Insurance Center

Our experienced agents understand the complexities of TNC insurance and can help you find the right coverage for your rideshare driving needs. We work with multiple carriers to provide:

• Competitive rates
• Comprehensive coverage options
• Expert guidance on state requirements
• Claims support when you need it most

Don't leave your financial security to chance. Contact Professional Insurance Center today to ensure you're properly protected while driving for Uber or any other rideshare platform.