To get TLC insurance, you’ll typically need your TLC license, DMV license, registration, title or bill of sale and proof of address. Our team at Mega Insurance Brokerage will walk you through every step and help you gather everything you need.

Yes. Whether your policy is expiring soon or getting a new policy quote we make the renewal process quick and simple. Mega Insurance Brokerage handles the paperwork and ensures you stay compliant with TLC requirements.

Yes ! Switching your TLC insurance broker is very easy and fast. You do not need to go to TLC or DMV to change your broker. Even you do not need to go to your vehicle base for it. We made it easy and simple at Mega Insurance Brokerage

TLC insurance rates vary depending on your vehicle, driving record, and coverage needs. At Mega Insurance Brokerage, we shop around for you to find the best possible quote for you. Reach out to us today to get your free quote.

To get TLC insurance for your Uber/Lyft car in NYC, you’ll need a policy that meets the TLC’s commercial insurance requirements. Mega Insurance Brokerage helps Uber/Lyft drivers with fast, easy steps and personalized support for their policy needs. Contact us for a free quote today.

Yes! Mega Insurance Brokerage offers TLC-approved insurance for Tesla vehicles used for Uber, Lyft, or black car services. We match you with the right policy that meets all New York TLC standards—without the confusion.

It’s simple! Visit our website or call us directly at 212-721-0001 to get your FREE TLC insurance quote. We’ll shop around with multiple carriers to find the best possible fit for your vehicle.

We provide TLC insurance for:

• Uber and Lyft cars
• Yellow cabs
• Green taxis
• Black cars
• Taxi Limousines
• EV Electric vehicles (e.g., Tesla)
• All TLC-licensed for-hire vehicles in NYC

Yes, our focus is 100% on New York City’s and Upstate TLC drivers across all five boroughs—Queens, Brooklyn, Manhattan, the Bronx, and Staten Island. We know the local rules and insurance carriers best suited for NYC streets.

If your policy has expired or been canceled, we can help you reinstate your coverage, recover your TLC plate if needed (depending on your circumstances), and guide you through the next steps to resume driving legally

Absolutely, we provide TLC Black Car insurance that satisfies TLC rules and covers you in every scenario. Mega Insurance Brokerage supports professional drivers with fast service and reliable coverage

The cost of TLC insurance in NYC varies depending on factors such as your driving record, the type of vehicle, coverage limits, and the insurance company. Since TLC vehicles are used for commercial purposes, premiums are generally higher than personal auto insurance. To get an exact quote, you’ll need to provide your driver and vehicle information.

The NYC Taxi and Limousine Commission (TLC) requires all licensed vehicles to carry commercial auto liability insurance. The minimum liability coverage must be:

$100,000 per person

$300,000 per accident for bodily injury

$200,000 in personal injury protection (PIP)

$10,000 for property damage
Higher coverage limits may apply depending on the type of vehicle.

Personal auto insurance only covers private, non-commercial driving. TLC insurance is commercial auto insurance designed for professional drivers who transport passengers for pay (Uber, Lyft, taxis, etc.). If you drive for hire in NYC, personal insurance alone is not valid—you must have TLC insurance.

The minimum TLC insurance requirement in NYC is $100,000/$300,000 for bodily injury liability, $200,000 PIP, and $10,000 property damage liability. However, depending on the vehicle type (e.g., black car, livery, yellow taxi), higher limits may be required.

Yes. TLC insurance is more expensive than regular personal insurance because it covers commercial use, which involves higher risk due to more time spent on the road and transporting paying passengers.

TLC insurance for commercial vehicles is liability insurance specifically required for vehicles licensed by the NYC TLC. It covers bodily injury, property damage, and personal injury protection for passengers and others involved in an accident while the vehicle is in service

In insurance, “TLC” refers to the New York City Taxi and Limousine Commission, which regulates vehicles for hire such as Uber, Lyft, taxis, and black cars. TLC insurance is the commercial auto coverage required for these vehicles.

A TLC policy is a commercial auto insurance policy that meets the coverage requirements set by the NYC Taxi and Limousine Commission. It allows drivers to legally operate as professional, for-hire drivers in New York City.

Yes. In NYC, all Uber and Lyft drivers must carry TLC insurance. Personal auto insurance is not sufficient, and Uber/Lyft will not allow you to drive without a valid TLC policy.

Yes. Uber verifies that you have an active TLC insurance policy before you can begin driving. They also require updated proof of insurance when your policy renews.

Yes, TLC insurance generally costs more than personal insurance because driving for Uber is considered commercial use. Regular personal insurance policies are not valid for Uber driving in NYC.

The cost depends on your driving record, age, type of car, and coverage limits. On average, TLC insurance is significantly higher than personal car insurance, but the exact price can only be determined by requesting a quote.

The best insurance is one that is TLC-approved, meets NYC’s legal requirements, and offers reliable service in claims handling. Drivers should work with licensed brokers experienced in TLC insurance to find the right policy.

Even with a bad driving record, you may still qualify for TLC insurance, though your premium will likely be higher. Working with an experienced insurance broker can help you find companies that accept higher-risk drivers.

Yes. In many cases, brokers can issue same-day TLC insurance once all required documents are provided and payment is made.

To transfer your TLC insurance, you’ll need to purchase a new policy with the new provider and then cancel your current policy. Your new insurer will file the updated information with the NYC TLC to keep your license active.