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

Black History Month Contributions in the Insurance Industry

Honoring Black History Month: Contributions in the Insurance Industry

Honoring Black History Month by highlighting the pioneering Black leaders and entrepreneurs who shaped the U.S. insurance industry. Learn how their efforts expanded access to coverage, promoted financial literacy, and strengthened communities through economic empowerment and generational wealth building.
Read more
Life Insurance Love Insurance

Love Insurance: How Life Insurance Can Be the Best Valentine’s Gift

This Valentine’s Day, celebrate love that lasts. Discover how life insurance, or love insurance, can protect your family and provide peace of mind beyond flowers and chocolates.
Read more
Shoveling snow

Snowmelt Damage Prevention Tips

Accumulating water from melting snow and ice—also known as snowmelt —can lead to significant property damage if not managed. It's important to be aware of this risk and take measures to prevent issues. Don’t let snowmelt wreak havoc on your home. Review guidance for snowmelt damage prevention recommendations.
Read more
Side-view mirror

The Defensive Driving Process

To be a defensive driver, it’s important to follow a three-step process: see hazards, determine potential responses, and act in time. Driving in Massachusetts means navigating heavy traffic, narrow roads, construction zones, and unpredictable New England weather. Defensive driving helps local drivers anticipate hazards, reduce accident risk, and protect their auto insurance record.
Read more
Be Ready for Severe Winter Weather Snowstorms, Ice, and Extreme Cold

Be Ready for Severe Winter Weather: Snowstorms, Ice, and Extreme Cold

Severe winter storms can bring heavy snow, ice, and extreme cold. Learn how to prepare your home, protect your vehicle, prevent frozen pipes and power outages, and take practical steps to keep your family safe during harsh winter weather.
Read more
Chimney

Chimney Maintenance Is Essential

A well-maintained chimney is essential for keeping your home safe, as neglected chimneys are a leading cause of fireplace-related fires and carbon monoxide issues. With an estimated 20,000 chimney fires occurring each year in the U.S., routine inspections and cleanings play a critical role in reducing creosote buildup and preventing costly damage. By making chimney care part of your annual home-maintenance plan, you’ll protect your property and ensure your fireplace operates safely all season long.
Read more
Woman buying a car

Shopping for a Safe Vehicle

When shopping for a new vehicle, safety should be a top consideration. This brief guide outlines key safety features—from crash protection to advanced driver assistance systems—and explains how they can impact your insurance costs. Understanding these factors can help you make a smarter, more informed purchase.
Read more
Operating Under the Influence (OUI) Will Cost You Money

Operating Under the Influence (OUI) Will Cost You Money

An Operating Under the Influence (OUI) conviction is more than a legal problem; it’s a financial disaster. Between fines, court fees, license costs, higher insurance premiums, towing, and lost wages, one mistake can cost you between $11,000 and $30,000. The best way to save? Don’t drink and drive.
Read more
Fresh Look at Personal Insurance SMM

A New Year, A Fresh Look at Your Protection

A new year is the perfect time to review your insurance and personal risk management. Life changes, rising costs, and growing responsibilities can all affect your coverage needs. A quick annual check can help ensure that you and what matters most are properly protected.
Read more
PreviousNext

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.