Insurance Aligned

Today, we’re pleased to share an announcement made by some of the nation’s leading insurance companies, a major insurance industry association, and Uber. Details of the announcement are below in the letter being shared with policymakers across the U.S.

We welcome and encourage other insurance companies, industry associations, and Transportation Network Companies to support this compromise, as we believe everyone benefits from appropriate insurance standards and safe transportation options.

Here’s a copy of the letter going out to policymakers:

Today, we’re proud to share a TNC Insurance Compromise Model Bill that has been developed by some of the leading auto insurance companies and Transportation Network Companies (TNCs) and helps set consistent and modern insurance regulation for TNC services. Transportation network services have proven popular with consumers, and the traveling public will benefit from the addition of innovative, affordable and safe transportation options. The undersigned auto insurance carriers, Transportation Network Companies, and trade associations stand together in support of this insurance legislation, and encourage you to utilize this language to address TNC insurance issues in your state.The key elements of the TNC Insurance Compromise Model Bill include:

  • An insurance mandate of primary insurance coverage during Period 1 (logged in and available) with minimum liability limits of $50/$100/$25K plus any other state compulsory coverage. Coverage is to be maintained by the TNC, TNC Driver, or a combination of the two.
  • An insurance mandate of primary insurance coverage during Periods 2 and 3 (en route to pick up and carrying passengers) with minimum liability limits of $1,000,000 plus any other compulsory coverage mandated of limos to be satisfied by the TNC, TNC Driver, or a combination of the two.
  • Proof of TNC insurance to be carried by TNC Drivers.
  • Mandatory claim investigation cooperation between auto insurers and TNCs.
  • Express authorization of surplus lines insurance.
  • Standardized definitions of TNC and TNC Driver.
  • Disclosure language from TNCs to TNC drivers.
  • Support for insurers to contractually exclude coverage related to TNC activities, if desired.
  • Support for insurers to create innovative new products for TNC Drivers.

The undersigned companies and associations agree that the TNC Insurance Compromise Model Bill strikes the right balance between encouraging innovative transportation options and creating a strong regulatory framework that protects consumers, respects contracts and ensures proper auto insurance coverage.


American Insurance Association

Farmers Insurance


National Association of Mutual Insurance Companies

Property Casualty Insurers Association of America

State Farm

Uber Technologies


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