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

June 20, 2017||inPersonal Insurance|Lyft, Sidecar, TNC driver endorsement, Uber, auto insurance, personal insurance

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.

Uber, Lyft and Other TNC Drivers...New Endorsement Covers Insurance Gap
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

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

Auto Insurance in Hudson MA

Auto Insurance in Hudson, MA: What You Need to Know

If you live in Hudson, MA, or the surrounding areas, securing the right auto insurance is essential. Whether you’re a daily commuter, a weekend traveler, or a first-time driver, having the appropriate coverage ensures protection on the road and compliance with Massachusetts’ legal requirements.
Read more
Car close-up

What to Do After a Hit-and-Run

When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident.
Read more
Pest Prevention Keep Your Home Pest-Free with Proactive Measures

Pest Prevention | Keep Your Home Pest-Free with Proactive Measures

Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.
Read more
Stairs

How to Prevent Falls at Home

Falls are one of the most common and dangerous accidents that occur at home and on the job—especially on staircases. In order to determine whether there are fall hazards within your home, be sure to ask yourself these key questions.
Read more
Outdoor Maintenance: Protecting Your Home and Enhancing Your Curb Appeal

Outdoor Maintenance | Protecting Your Home and Enhancing Your Curb Appeal

Regular outdoor maintenance not only enhances your home's curb appeal but also prevents costly damage and potential insurance issues. Key tasks include cleaning gutters, inspecting the roof, maintaining landscaping, power washing exteriors, and ensuring outdoor structures like fences and decks are in good condition. Staying proactive with seasonal upkeep helps protect your home, reduce long-term repair costs, and maintain insurance coverage eligibility.
Read more
Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

Hot tubs offer relaxation but come with safety and liability risks, including potential injuries, health concerns, and insurance coverage gaps. Key precautions include supervising children, maintaining proper water chemistry, setting safe temperature limits, and enforcing responsible usage to prevent accidents. Homeowners should review their insurance policies and consider additional coverage, such as a personal umbrella policy, to ensure financial protection while enjoying their hot tub safely.
Read more
Car keys

Avoiding Problems When Buying Used Vehicles

While buying a used vehicle will save you money in purchase price and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid buying a car with hidden problems, consider these purchase precautions.
Read more
Contractor

Avoiding Contractor Fraud

It’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Use these tips to avoid contractor fraud concerns.
Read more
Car tire side-view

Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker.
Read more

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.