- The answer is maybe! The chart below will help. Most policies there is a public or livery conveyance exclusion in Section II – Liability Coverage would apply if someone on the policy was involved in a loss when operating as a TNC driver.
- The biggest gap in coverage is when the ride share application is on, but you don’t have riders in your car. The coverage with many TNC is only $50K for liability. When you have a passenger, then the limits go up to $1,000,000.
- Your personal umbrella would not cover you while driving for a TNS.
Insurance companies are starting to come out with endorsements to address the gaps in coverage. Please call your friends at Ieuter Insurance Group at 989-835-6701 or email info [at] ieuter [dot] com for more information.