TLC Insurance New York City
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The New York City Taxi & Limousine Commission (TLC) licenses drivers and vehicles. Having a TLC drivers license, or universal license, will grant you the authority to transport passengers using a TLC licensed vehicle. If you’ve been to New York City, you have surely been exposed to these TLC license plates. This license plate designates to NYC passengers that the vehicle is licensed by the TLC and has passed inspection. Let’s explore how you can get your own TLC License plate?
Step 1: Purchase or lease an approved vehicle
The first step to drive for TLC is to rent an approved TLC vehicle. You will need a copy of your bill of sale or lease agreement for insurance purposes. The TLC has varioust vehicle requirements for each of the license classes it regulates – black car, livery, taxi. App companies like Uber, Lyft and Gett typically fall into the Black Car base category. If you are looking to drive for one of these companies make sure that your TLC rental vehicle is at least 7 model years or newer. Another thing to keep in mind is that if you rent a brand new vehicle in NYC that has less than 500 miles on it, you will not have to get a TLC inspection, only a visual inspection.
Step 2: Choose a TLC Base in New York City
You will need to affiliate your vehicle with a TLC approved dispatch base. Mobile app companies such as Uber, Lyft and Gett typically have their own TLC registered black car bases. Contact the base of your choosing to get what is known as a base letter. The base letter basically states that you intend to affiliate with the base of your choice.
Step 3: Purchase TLC Insurance
If your vehicle seats 8 or less people (most vehicles fall into this category). You will need to purchase commercial liability insurance with minimum limits of $100,000 per person, $300,000 per accident in bodily injury liability, $200,000 in no-fault coverage and $10,000 in property damage liability. Keep in mind that the TLC does not require collision coverage, although in many cases it makes sense for you to have. Once your policy is issued, you will receive an FH1 (for-hire vehicle certificate), a certificate of insurance naming the TLC as a certificate holder and a declarations page showing your coverage. Typically your base of choice will walk you through this process from A-Z.
Step 4: Submit TLC Vehicle Application
Once you have your documents prepared, you are now ready to submit the application to the TLC. There are two ways of handling this – you can file the application in person by scheduling your appointment here, or visit the TLC office yourself. Most drivers choose to have us complete this process for them, since there is no extra fees involved.
Step 5: Get your TLC plates and schedule an inspection (if needed)
You can now take the plate letter provided to you by the TLC, and your TLC insurance documents and bring it to a Department of Motor Vehicles (DMV) location to register your vehicle and get TLC plates! Put your plates on your vehicle and hit the road. Make sure you upload a copy of your registration to the INSHUR app. But wait, there’s one more step – if you purchase a used vehicle with more than 500 miles on the odometer, you will need to schedule an inspection – contact your base that you affiliated with to schedule an appointment.
Once you have done these 5 steps, you will be ready to start transporting passengers and making money!