One of Uber’s main grievances is the significant difference in required insurance coverage for rideshare vehicles compared to personal cars and traditional taxis. In states such as California and New York, TNCs must maintain liability coverage of at least $1 million per trip – far exceeding the requirements for personal vehicles, which are often only mandated to carry around $30,000 in coverage. Additionally, some states require rideshare companies to provide uninsured and underinsured motorist (UM/UIM) coverage, with amounts that are dramatically higher than those required for other road users. In New York, for example, Uber drivers must have $1.25 million in UM/UIM coverage, compared to just $50,000 for private vehicle owners. In New Jersey, the requirement is even steeper, with a $1.5 million UM/UIM mandate – 50 times what is required for personal vehicles.