Black Car Insurance

What is a Black Car?

A Black Car is a type of For-Hire Vehicle (FHV) that must be affiliated with a Black Car Base and is dispatched on a pre-arranged basis. More than 90% of passenger payments for Black Cars must be made electronically, not in cash. Before affiliating with a Black Car Base, vehicle owners must pass a Taxi and Limousine Commission (TLC) inspection. Most rideshare and app-based services, such as Uber, Lyft, and Via, operate as Black Car Bases, and drivers must affiliate with them to provide on-demand rides.

Do I need Black Car Insurance?

Yes. To operate legally, all Black Cars must have TLC plates, TLC registration, and TLC insurance coverage. Vehicles seating 1-8 passengers must meet the TLC’s minimum liability coverage of $100,000 per person, $300,000 per accident, and $200,000 in personal injury protection. Vehicles with more than 8 seats may require higher coverage limits.

How do I purchase Black Car Insurance?

For nearly a decade , AW Brokerage has helped New York City TLC drivers and vehicle owners find the right insurance coverage. Our experienced brokers understand TLC insurance requirements and work with all major carriers to get you the best policy at the most competitive rate.

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