Black Car Vehicle Insurance Requirements

Vehicle owners are required to purchase insurance coverage with minimum limits as specified by the Taxi & Limousine Commission (TLC). If you are looking to purchase a commercial insurance policy as mandated by the TLC, there is nothing easier than using the INSHUR app.

We’ll help you find the most affordable Black Car Insurance to suit your budget and needs. Call us today for a free, no obligation Black Car TLC Insurance quote.

What is a Black Car Vehicle?

In New York City, Black Cars are a segment of the For-Hire Vehicle (FHV) class. Black Cars provide pre-arranged passenger transportation using licensed bases for dispatch. Black Cars are unique in that more than 90% of passenger payments must come in non-cash form. Most app based companies like Uber, Lyft and Gett are licensed as Black Car Bases and drivers affiliate with these bases to provide on-demand rides. This makes sense as passengers usually pay drivers using a credit card stored on the app or through a voucher.

Black Car vehicle owners are issued a For-Hire Vehicle license after affiliating with a Black Car Base and passing inspection at a TLC facility. Currently, Black Car vehicles must be no more than 7 model years old in order to affiliate with a Black Car Base. It’s always a good idea to check with the base or app you are affiliating with to see if your vehicle qualifies.