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

SB 125 still could force Coloradans to pay higher personal auto premiums for the benefit of ride share drivers and the companies they work for

DENVER – CO – Today Uber X acknowledged in a blog post there are 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 Uber X.  This statement can be attributed to Kelly Campbell, PCI vice president of state relations. 

“In Colorado, lawmakers are considering a ride sharing bill that would limit ride share companies’ responsibility for insuring their drivers-for-hire ONLY while the driver has a paying passenger in their car – NOT when the driver is on-the-job, logged into the app searching for paying passengers.  This bill, SB 125, is expected to be presented to the Colorado House Transportation Committee next week.   Under the current draft of SB 125, Coloradans could end up paying higher personal insurance premiums for the benefit of ride share drivers and the companies they work for, and that’s not fair.

UberX just acknowledged in a blog post there are insurance gaps and is taking actions to address the gaps. Other companies may follow their lead.

While this may be a step in the right direction, the current version of SB 125 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 on this bill.  We urge members of the House Transportation Committee to oppose the current version of SB 125 and to support amendments to the ride-sharing bill that address the ongoing primary coverage issues.   Lawmakers need to take a close look at this bill and oppose the current version in order to protect Colorado drivers, passengers and all of the insurance customers in the state.”



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.