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.

Read Other Blog Posts

Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.
Smoke Detector

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.
Flooding

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
Driving Car

Factors Affecting Your Car Insurance Rate

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:
Insurance Policy

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.
Distracted Driving

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.
Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.
Male teen driver

5 Tips for Adding a Teen to Your Auto Policy

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Here are five tips to consider when adding a teen to your auto insurance policy.
Night driving

Understanding the Risks of Speeding

According to NHTSA data, speeding kills more than 12,000 people behind the wheel each year, contributing to nearly one-third (29%) of all traffic fatalities. With this in mind, it’s important to understand what causes speeding and how to prevent it.

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.