PLCaliforniahard
A California rideshare driver logs into the Uber app at 6:00 a.m., is matched with a passenger at 6:15 a.m., picks the passenger up at 6:20 a.m., and is rear-ended at 6:25 a.m. en route to the passenger's destination. Which TNC period was active at the moment of the collision, and what is the MINIMUM statutory liability limit the TNC's policy must provide for that period under Pub. Util. Code §§ 5430-5443?
APeriod 1 — minimum $50K BI per person / $100K BI per accident / $30K PD
BPeriod 2 — minimum $50K BI per person / $100K BI per accident / $30K PD
CPeriod 3 — minimum $250K BI per person / $500K BI per accident
Period 3 — minimum $1,000,000 combined single limit
Why this is the answer
Pub. Util. Code §§ 5430-5443 divide TNC operations into three periods: Period 1 (app on, no match) — minimum 50/100/30; Period 2 (matched, en route to pick up) — minimum $1M CSL; Period 3 (passenger in vehicle until drop-off) — minimum $1M CSL. The driver here was carrying a passenger at the time of the rear-end, placing the operation squarely in Period 3 and triggering the $1M floor. Note also that personal auto policies typically exclude TNC use outside Period 1 unless a rideshare endorsement is purchased.
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