Ride-Sharing Insurance Regulations
July 17, 2015
As ride-sharing has caught on in popularity, it has come to the attention of legislators that drivers for companies such as Uber and Lyft have gaps in insurance coverage and often are unaware of it. This leaves the drivers and others exposed to significant financial issues in event of an accident. Most ride-sharing companies provide insurance while the driver has a passenger in the vehicle, but when the driver first turns on the application to look for a passenger, there is a gap in coverage. While some states have passed legislation requiring coverage during this gap period, many are still considering it. The following chart shows what states are requiring for ride-sharing companies.
| State | Yes | Pending | Shot Down Legislation | Nothing Yet |
| Alabama |
|
|
| X |
| Alaska |
|
|
| X |
| Arizona | X – $250k liability insurance, background checks, vehicle inspection, zero tolerance drug/alcohol |
|
|
|
| Arkansas |
|
|
| X |
| California | X |
|
|
|
| Colorado | X |
|
|
|
| Connecticut |
|
|
| X |
| Delaware |
|
|
| X |
| Florida |
| X – $125k death/injury, $50k property, $250 uninsured/under With passenger all categories above $1 million |
|
|
| Georgia | X – $1 million death/injury, property, uninsured/under |
|
|
|
| Hawaii |
|
| X |
|
| Idaho | X- $1 million death/injury, property, uninsured/under |
|
|
|
| Illinois |
| X |
|
|
| Indiana |
|
|
| X |
| Iowa |
| X |
|
|
| Kansas |
| X |
|
|
| Kentucky |
| X |
|
|
| Louisiana |
|
|
| X |
| State | Yes | Pending | Shot Down Legislation | Nothing Yet |
| Maine |
|
|
| X |
| Maryland |
| X |
|
|
| Massachusetts |
| X |
|
|
| Michigan |
| X |
|
|
| Minnesota |
| X |
|
|
| Mississippi |
|
|
| X |
| Missouri |
|
|
| X |
| Montana |
|
|
| X |
| Nebraska |
|
|
| X |
| Nevada |
| X-Regulated by PUC; must apply for permit and renew annually; liability coverage $1.5 million while transporting passengers; background checks before hire and every 3 years |
|
|
| New Hampshire |
|
|
| X |
| New Jersey |
|
|
| X |
| New Mexico |
|
|
| X |
| New York |
| X |
|
|
| North Carolina |
| X |
|
|
| North Dakota |
|
|
| X |
| Ohio |
| X |
|
|
| Oklahoma | X- Tulsa and OK City |
|
|
|
| Oregon | X- Portland |
|
|
|
| Pennsylvania |
| X |
|
|
| Rhode Island |
|
|
| X |
| South Carolina | X |
|
|
|
| South Dakota |
|
|
| X |
| Tennessee |
|
|
| X |
| Texas |
| X |
|
|
| Utah |
|
|
| X |
| Vermont |
|
|
| X |
| Virginia | X |
|
|
|
| Washington | X- Seattle |
|
|
|
| West Virginia |
|
|
| X |
| Wisconsin |
| X |
|
|
| Wyoming |
|
|
| X |