How a TLC Insurance Broker in Brooklyn Can Help You Get the Right UBER Car Insurance

The New York City Taxi & Limousine Commission is in charge of the licensing and regulation of all for-hire vehicles, from cabs to rideshare services such as UBER. This is inclusive of their rules on stern insurance requirements for every driver to operate legally. If you are looking to get TLC-approved coverage, working with a TLC insurance broker in Brooklyn will make it all easier, especially finding proper UBER car insurance.

Do I Need TLC Insurance?

In short, yes. Every driver on the road in a for-hire vehicle in NYC is obligated to have TLC car insurance. According to the laws of NYC, every vehicle that is endowed with a TLC license should maintain at least the minimum level of TLC insurance.

The scope of this “minimum” usually includes third-party liability to protect against property damage, uninsured motorist incidents, and personal injury claims. TLC insurance in NYC primarily covers any damage or injuries you might cause to others while driving.

Basic TLC insurance does not pay for damages to your vehicle. You would have to pay for repairs yourself in the event of an accident, which would be very costly and could keep you out of work while the repair was being completed.

For-Hire Vehicles – Livery Vehicles and Black Cars

If your vehicle accommodates up to seven passengers, here are the minimum insurance limits:

• $100,000 per person in liability;
• $200,000 in Personal Injury Protection (PIP);
• $300,000 per occurrence combined single limit (CSL).

For vehicles with seating capacities above seven, these limits increase. Vehicles with eight to 15 seats require up to $1.5 million in CSL, and for vehicles with up to 20 seats, the requirement is $5 million per occurrence. For vehicles with more than seven seats, per-person liability minimums are waived.

FHV Luxury Limousines

If you drive a luxury limousine seating up to seven passengers, your insurance minimums are:

• $500,000 per person liability;
• $200,000 in PIP;
• $1 million per occurrence CSL.

These amounts increase for limousines with eight to 15 seats, requiring $1.5 million per occurrence, and up to $5 million for limousines with 16 to 20 seats.

For UBER drivers in Brooklyn, choosing the right TLC insurance is essential for both compliance and peace of mind. A TLC insurance broker in Brooklyn A&Y Royal can guide you through the process, help you understand your coverage needs, and make sure you’re protected during every ride. By working with a knowledgeable broker, you can secure the best UBER car insurance that meets TLC requirements and keeps your business running smoothly.