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Drivers Insurance for Taxi’s and Unlicensed Cars

With so many passengers using taxi cabs each year, a large amount of accidents can occur. Fortunately the New York City Taxi and Limousine Commission dictates that taxis cabs and licensed car services must possess liability insurance within a minimums of $100,000.00 for individuals and $300,000.00 for groups of more than one person. In general terms, this means that if a single individual is injured in a taxi cab or car service accident the maximum insurance coverage (should the vehicle have the minimum coverage of $100,000.00) would be $100,000.00. If more than one person was injured in the same accident the group would be eligible for a maximum insurance coverage (should the vehicle have the minimum coverage of $300,000.00) would be $300,000.00. As taxi cab accidents generally involve more than one injured person the $300,000.00 group maximum is typically the more relevant figure.

Unlicensed cars (aka "black car" or "gypsy cab") are unfortunately not regulated by the New York City Taxi and Limousine Commission and typically have the minimum motor vehicle liability coverage of $25,000.00/$50,000.00.In general terms, this means that if a single individual is injured in a taxi cab or car service accident then maximum insurance coverage (should the vehicle have the minimum coverage of $25,000.00) would be $25,000.00. If more than one person was injured in the same accident the group would be eligible for a maximum insurance coverage (should the vehicle have the minimum coverage of $50,000.00) of $50,000.00.

While not all insurance companies are the same, the ones that represent taxi cab companies and unlicensed car service companies generally do everything in their power to avoid paying claims that result from taxi cab or unlicensed car service accidents. At Pulvers, Pulvers & Thompson, LLP, we diligently and passionately represent our clients and pride ourselves on consistently producing the very best results. Contact us today for your free personal injury consultation.