Black Car Insurance
What Is A Black Car?
A Black Car is a For-Hire Vehicle (FHV) that must be affiliated with a Black Car Base. Black Cars are dispatched on a pre-arranged basis and more than 90% of the passenger payments must come in non-cash payment. Black Car vehicle owners must pass inspection at a Taxi and Limousine Commission (TLC) facility before affiliating with a Black Car Base. Most rideshare or app based companies like Uber, Lyft and Via are licensed as Black Car Bases and drivers affiliate with these bases to provide on-demand rides.
Do I Need Black Car Insurance?
Yes. In addition to having TLC plates and registration, the TLC requires all Black Car vehicles to have TLC insurance coverage. Black Cars which have 1-8 seats must meet the TLC minimum liability coverage requirements which are set at $100,000 per person, $300,000 per accident and $200,000 in personal injury protection. Vehicles with more than 8 passengers may have to maintain higher limits.
How Do I Purchase Black Car Insurance?
For nearly 50 years, Pearland Brokerage has provided TLC insurance quotes to thousands of New York City TLC Drivers and TLC Vehicle Owners. Our experienced insurance brokers have a complete understanding of the insurance requirements for Black Car vehicle owners. We quote Black Car vehicle insurance coverage through all the major carriers to find the right insurance policy for you.
Ask us how you can save 5% - 10% off your premium with a dash cam.