Statewide insurance standards coming soon for Uber, Lyft

January 7, 2016

On Dec. 22, Gov. Kasich signed legislation to establish uniform insurance standards to protect Ohio consumers impacted by the services of Transportation Networking Companies (TNCs) or ridesharing companies such as Uber and Lyft.

House Bill 237, sponsored by Reps. Bob Hackett (R-London) and Mike Duffey (R-Worthington) establishes a much needed bright-line legal standard for proper insurance coverage to be provided by either a Transportation Networking Company (TNC) or by a TNC driver. OIA member John Koetz, CIC, CPCU of W.E. Davis Insurance testified on behalf of OIA in support of this important legislation in both the House and Senate.

Modeled after a national compromise reached by several national insurance carriers and Uber, HB 237 establishes minimum coverage limits during all phases of the ridesharing process.

  • In phase one, the period when the rideshare app is on and the driver has not yet received a request for a ride, the TNC, driver or a combination of the two would be required to obtain coverage with minimum liability limits of $50,000/$100,000/$25,000.
  • In phases two and three, when the driver has a rider in the car or has accepted a request for a ride via the app, the minimum liability limits would increase to $1,000,000.
  • In all three phases, the TNC coverage would be primary and would not require a personal auto insurer to deny a claim before coverage is available.
The legislation takes effect March 23, 2016.


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