Industry Issues | Transportation Network Companies

Transportation Network Companies

Nearly Every State Requires Insurance Protections for TNC Drivers, Passengers and the Public
PCI Successfully Changes the Legislative Landscape across the Nation


On June 27, 2017, Connecticut Governor Dan Malloy signed HB 7126 which closes the insurance coverage gaps associated with transportation network companies (TNCs) such as Uber and Lyft. Currently, 48 states and the District of Columbia have enacted TNC legislation addressing insurance. Significant progress was made on the issue this year as Alaska, Connecticut, Florida, New Jersey, New York and Wyoming enacted TNC legislation.

(View our state status map)

Across the country, PCI supported establishing rules that provide clarity regarding what insurance coverage is being provided, when it’s being provided and by whom, as well as appropriate disclosures for drivers and passengers. PCI also supports innovation that brings new products into the marketplace.

Legislative momentum for these laws was gained in the spring of 2015, when the insurance industry and the TNCs mutually supported model legislation establishing TNC insurance requirements from the time the ridesharing app is turned on until it is turned off. The TNC laws now on the books put an end to consumer confusion regarding insurance coverage, while also allowing for continued marketplace innovation. As new transportation ideas evolve to meet consumers’ needs and demands, insurers are developing new products to cover those ideas and provide peace of mind.

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