Summary: Ride-sharing is the practice of using a personal automobile to pick up someone and give them a ride to a specific destination for a fee. The potential driver signs up with a Transportation Network Company (TNC) that generally checks the individual's background and driving record and inspects the vehicle. Once the person is approved as a driver, he is allowed to sign in to an application as a driver and can begin to pick up riders. Different companies have different requirements, although requirements are similar. There are a multitude of insurance issues, which are discussed in depth in Ride-sharing and Car-sharing. Various carriers are beginning to offer coverage; this article looks at those new coverages. Carriers started to provide coverage in Colorado first since Colorado has a law requiring ride-sharing drivers who carry a rider to have coverage from the time they sign on to the app to the time they accept a request for a ride. Coverage must be from the driver's personal auto policy, or the TNC is to carry primary coverage for when a driver is logged onto the app but does not have a passenger. Currently most TNCs do not provide such coverage.

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The exclusion