There may be gaps in your insurance coverage – Tompkins Insurance can help ensure you are properly covered.

You have likely heard of a Smartphone app called Uber. It connects people who need rides with drivers ready to provide them. Founded in 2009, Uber is the best known of the “transportation network companies” (TNC). These companies have become very popular with riders and drivers.

What you may not know is that driving for a TNC may affect your personal auto insurance coverage.Most auto insurance policies cover traditional forms of ride sharing, such as car pools. However, they do not provide coverage when the driver transports people and property for a fee. Those who drive for TNCs are doing so for income. Therefore, while you are driving for Uber or another TNC, your auto insurance probably does not apply.

The major TNCs provide some insurance coverage for their drivers. However, this coverage may have “gaps,” leaving you unprotected at points during a driving assignment. Fortunately, some insurers can fill in the gaps between your own coverage and the TNCs. Tompkins Insurance now represents one of the only insurers in New York State offering this type of coverage.

If you live in New York State and drive for a TNC, or if you are thinking about doing so, please contact your trusted Tompkins Insurance advisor so that we may review your options with you. We want to help you make an informed decision about your insurance coverage.