American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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Nicole Mahrt Ganley


916-440-1116 or cell 916-616-5855





March 14, 2014

PCI Says UberX Insurance Announcement a Step in the Right Direction, But More Work Needs to Be Done

Pending state legislation could still force insurance consumers to pay higher personal auto premiums for the benefit of ride share drivers and the companies they work for

CHICAGO, IL – Today UberX acknowledged in a blog post there are ride sharing insurance gaps and they are taking actions to address these gaps.  The following statement by the Property Casualty Insurance Association of America (PCI) is in response to this announcement by UberX.  This statement can be attributed to Robert Passmore, PCI senior director of personal lines policy. 

“While this announcement gives the appearance of a step in the right direction, important questions and issues remain. There is legislation pending in states like Colorado that continues to force personal auto coverage to cover some ride sharing activities and does not clarify primary coverage issues.  We want to be a part of the solutions but more work needs to be done.  Ride sharing companies need to understand the complexity of insurance laws across the nation.  Mandatory insurance coverages differ by state.  There are coverages other than liability like personal injury protection, no-fault and medical payments.  While it is seemingly positive that the ride share companies are acknowledging the insurance gaps, the personal auto policy is not designed to provide coverage when the car is used as a livery or car-for-hire.  We look forward to continuing to work with the ride share companies, regulators and lawmakers.  But this announcement is an announcement, we still do not have consistent rules or laws that will protect drivers, passengers and all insurance consumers.”    


PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $195 billion in annual premium, 39 percent of the nation’s property casualty insurance. Member companies write 46 percent of the U.S. automobile insurance market, 32 percent of the homeowners market, 37 percent of the commercial property and liability market, and 41 percent of the private workers compensation market.