State legislatures and municipalities have taken notice of, and, in some cases, taken action on the ridesharing trend, including addressing insurance implications.

The activity at issue, in which a driver and a passenger are matched through a smartphone app developed and administered by transportation network companies (TNCs), is the use of one's personal vehicle to transport someone from one place to another for a fee.

Insurance issues at stake include whether a Personal Auto policy would provide coverage at all, how much and what sort of coverage (primary versus contingent) TNCs should provide, and when commercial coverage provided by the TNC becomes effective.

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