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What is Uber?
Uber is an on-demand passenger app that allows passengers to summon drivers. In New York City (NYC), Uber has several Black Car and Livery Bases licensed with the Taxi & Limousine Commission (TLC). Drivers with TLC licenses can affiliate their vehicles with one of Uber’s many bases and make money as independent contractors picking up pre-arranged rides with passengers. The insurance requirements for Uber in NYC are very different from the rest of the country.
Uber insurance coverage requirements
In New York City, Uber’s rideshare insurance policy is not applicable. All Uber vehicles must comply with the TLC’s minimum levels of insurance coverage that vary based on license class and seating capacity. For most Uber vehicles, the TLC minimum level of liability insurance coverage will be $100,000 per person, $300,000 per accident, $200,000 in personal injury protection and $10,000 in property damage liability.