TLC Insurance services NYC
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TLC Insurance

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TLC insurance for Uber drivers in New York City is a specialized type of commercial auto insurance required by the NYC Taxi and Limousine Commission (TLC) for drivers operating rideshare services, such as Uber, Lyft, or traditional black car services. This insurance is mandatory for all drivers who transport passengers for hire within the five boroughs of NYC.

Here’s an overview of TLC insurance:

  1. Mandatory Coverage: TLC insurance is required by law for any driver operating a for-hire vehicle in NYC. Drivers cannot legally pick up passengers without having this insurance, along with proper TLC licensing and registration.
  2. Higher Liability Limits: Unlike personal auto insurance, TLC insurance provides higher liability limits to cover the increased risk associated with transporting passengers. It typically includes:
    • Bodily Injury: Covers medical expenses for injuries caused to other parties in an accident.
    • Property Damage: Covers damage to other people’s property (e.g., vehicles, buildings) in an accident.
    • Personal Injury Protection (PIP): Provides coverage for medical expenses for the driver and passengers, regardless of fault.
  3. Commercial Coverage: Since rideshare drivers are engaged in commercial activity; their personal auto insurance policies are insufficient. TLC insurance classifies vehicles as commercial, meaning it provides protections and limits tailored for professional driving as oer the NYC Taxi and Limousine Commission.
  4. Coverage During All Phases of Driving: TLC insurance covers drivers in all stages of the rideshare process—whether waiting for a passenger request, on route to pick up a passenger, or actively transporting a passenger.
  5. Required by Uber and Other Platforms: Uber and other rideshare companies require their NYC drivers to have valid TLC insurance to be eligible to drive on their platforms.

TLC insurance is designed to protect both drivers and passengers while ensuring that Uber drivers in NYC are compliant with local regulations governing for-hire transportation. Get a quote from the top TLC insurance broker in NYC