- #PUBLIC OR LIVERY CONVEYANCE DRIVERS#
- #PUBLIC OR LIVERY CONVEYANCE DRIVER#
- #PUBLIC OR LIVERY CONVEYANCE ISO#
This optional premium-bearing endorsement would replace the PP 23 40.
#PUBLIC OR LIVERY CONVEYANCE DRIVER#
PP 23 45 10 15 – Limited Transportation Network Driver Coverage (No Passenger) A list of provided coverages, triggered by premium entry for each desired coverage.A description of the vehicle in question.Identity of the “transportation network platform(s)” for which the insured drives.The endorsement modifies the “public or livery conveyance” exclusions in Parts A, B, C, and D of the PAP and includes a schedule of the following information: According to the filing explanation, it extends PAP coverage to an insured ridesharing driver for the period of time from when the driver logs into a “transportation network platform” up until a passenger has entered the vehicle. PP 23 41 10 15 – Transportation Network Driver Coverage (No Passenger)
#PUBLIC OR LIVERY CONVEYANCE ISO#
Since state-specific endorsements in most states provide statutory uninsured and underinsured motorist coverages, ISO is filing a similar change, to the extent permitted by law, to each state’s UM/UIM endorsements. ISO is also making the same revision to the “public or livery conveyance” exclusion that appears in similar form under Part B – Medical Payments Coverage and Part D – Coverage For Damage To Your Auto in the PAP. The implication of the language “but is not limited to” is not yet known. This exclusion (A.5.) does not apply to a share-the-expense car pool.” This includes but is not limited to any period of time that ‘insured’ is logged into a ‘transportation network platform’ as a driver, whether or not a passenger is ‘occupying’ the vehicle. We do not provide Liability Coverage for any ‘insured’:įor that ‘insured’s’ liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance. The new Part A – Liability Coverage “public or livery conveyance” exclusion reads as follows (new language italicized):
#PUBLIC OR LIVERY CONVEYANCE DRIVERS#
The endorsement defines a “transportation network platform” as “an online-enabled application or digital network used to connect passengers with drivers using vehicles for the purpose of providing prearranged transportation services for compensation.”
According to the filing explanation, the endorsement clarifies that the exclusion applies to any period of time that an insured is logged into a “transportation network platform” as a driver, whether or not a passenger is occupying the vehicle. This endorsement revises the existing ISO PAP exclusion for the use of a vehicle as a public or livery conveyance. What do you need to know about the three PAP endorsements for ridesharing? PP 23 40 10 15 – Public Or Livery Conveyance Exclusion Endorsement At this time, no options are available to extend even limited coverage under ISO’s PUP to ridesharing drivers.
The PUP endorsement follows the reinforced PAP “public or livery conveyance” exclusion ISO introduced with the PP 23 40 PAP endorsement. The proposed nationwide effective date for these changes is Oct.1, 2015, though the actual implementation date could vary in specific states. “Introduction of a Reinforced Public or Livery Conveyance Exclusion”: DL 99 12 10 15 – Personal Umbrella Liability Policy Public Or Livery Conveyance Exclusion EndorsementĮach filing goes hand in hand with a companion rules filing. PP 23 45 10 15 – Limited Transportation Network Driver Coverage (No Passenger).PP 23 41 10 15 – Transportation Network Driver Coverage (No Passenger).PP 23 40 10 15 – Public Or Livery Conveyance Exclusion Endorsement.“Introduction of a Reinforced Public or Livery Conveyance Exclusion and Related Optional Coverage Endorsements”: Pertaining to personal auto and umbrella insureds who drive for these organizations, the filings include: Ridesharing is once again making headlines in the wake of a California Labor Commission ruling that Uber drivers are employees of the company, not independent contractors.ĭid you know that ISO has already made two nationwide filings in response to the rise of ridesharing through transportation network companies such as Uber and Lyft?
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