What is the TLC?
The New York City Taxi and Limousine Commission (TLC) oversees licensing and regulation for the city’s for-hire vehicle (FHV) industry, including app-based services like Uber, Lyft, and Via, as well as medallion taxis, commuter vans, and paratransit vehicles. NYC’s FHV services are categorized into black cars (e-hails), luxury limousines, yellow taxis, green taxis, and liveries (community cars), each with specific TLC insurance requirements.
Do I need TLC Insurance?
Yes, all vehicles with TLC license plates must comply with the TLC’s insurance requirements. Each type of TLC vehicle has its own specific coverage obligations.
Black Car & Green Taxi
| # of Passengers | Personal Insurance Protection (PIP) | Liability (per person) | Liability (per accident) |
|---|---|---|---|
| 1-8 | $200,000 | $100,000 | $300,000 |
| 9-15 | $200,000 | N/A | $1,500,000 |
| 16-20 | $200,000 | N/A | $5,000,000 |
Luxury Limousine
| # of Passengers | Personal Insurance Protection (PIP) | Liability (per person) | Liability (per accident) |
|---|---|---|---|
| 1-8 | $200,000 | $500,000 | $1,000,000 |
| 9-15 | $200,000 | N/A | $1,500,000 |
| 16-20 | $200,000 | N/A | $5,000,000 |
Yellow Taxi + Compliance with Workers’ Compensation
| Personal Insurance Protection (PIP) | Liability (per person) | Liability (per accident) |
|---|---|---|
| $200,000 | $100,000 | $300,000 |
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