TDCI’s Auto Insurance 101 hub includes a dedicated page on insurance gaps for Transportation Network Company (TNC) drivers. The Department says it “has observed increased attention surrounding Transportation Network Company (TNC) operations” and defines a TNC as an organization that provides pre-arranged transportation services for compensation using an online-enabled platform to connect passengers with drivers using the driver's personal vehicle, including companies such as Lyft, UberX, and Sidecar.
On the TNC policy side, TDCI warns that while approved TNCs may be required to maintain liability insurance, they “might not have medical payments coverage, comprehensive, collision, uninsured/underinsured motorist (UM/UIM) coverage, or other optional coverages for enrolled vehicles.”
On the personal-auto side, TDCI notes that most standard personal auto policies contain exclusions for livery — “which essentially means driving for hire” — and quotes a typical exclusion for liability arising out of the ownership or operation of a vehicle while it is being used to carry persons for a fee.
Seasons change. So should your coverage. For a free personal policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group — informational only; no coverage or eligibility promise.
| Gap source (TDCI) | What the page highlights |
|---|---|
| TNC liability policy | May lack med pay, comprehensive, collision, UM/UIM, or other optional coverages. |
| Personal auto policy | Livery / driving-for-hire exclusions are common. |
| Examples named | Lyft, UberX, and Sidecar as TNC examples. |
How does TDCI define a Transportation Network Company (TNC)?
TDCI defines a TNC as an organization that provides pre-arranged transportation services for compensation using an online-enabled platform to connect passengers with drivers using the driver's personal vehicle, and notes TNCs include companies such as Lyft, UberX, and Sidecar.
What optional coverages might a TNC liability policy lack, per TDCI?
TDCI states TNCs might not have medical payments coverage, comprehensive, collision, uninsured/underinsured motorist (UM/UIM) coverage, or other optional coverages for enrolled vehicles.
What personal-auto exclusion does TDCI highlight for livery or driving for hire?
TDCI notes most standard personal auto policies contain exclusions for livery, which essentially means driving for hire, and quotes a typical exclusion for liability arising out of ownership or operation of a vehicle while it is being used to carry persons for a fee.
Why did TDCI publish the TNC gaps policy page?
TDCI states the Department has observed increased attention surrounding TNC operations and intends the policy to highlight potential insurance implications for Tennessee drivers participating in TNC programs.
Does this article say Uber or Lyft coverage is adequate for every East Tennessee driver?
No. It restates TDCI’s public gaps warning. Actual coverage depends on the TNC period, the personal policy, and written terms.
What should a TNC driver review before accepting trips?
Compare the TNC’s disclosed coverages with personal auto exclusions for livery, and ask a licensed Tennessee agent to review both — informationally, not as a coverage promise.
Where is TDCI’s TNC gaps page linked from?
It sits under TDCI’s Auto Insurance 101 consumer-education hub as “Insurance Gaps for Transportation Networking Company Drivers.”
How can All Seasons help a rideshare driver in East Tennessee?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free personal auto policy review. Bring your declarations page and any TNC coverage summary.
