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Summary: Ride-sharing has become quite a large factor in today’s society. There are many ride-sharing companies, and states are trying to enact legislation for the companies to provide insurance, adhere to certain background check and other requirements, and the insurance industry has its own issues. See Ride-sharing and Car-sharing. ISO has developed an exclusion for such activities for the personal auto and personal umbrella form. Currently only Alabama, Iowa, Maine, Montana, North Carolina, New Mexico, Wisconsin, and Wyoming have adopted this umbrella form as of its effective date, October 1, 2015 and Colorado, Indiana, and Nevada are adopting it effective November 1, 2015. The form is DL 99 12 10 15, Personal Umbrella Liability Policy Public or Livery Conveyance Exclusion Endorsement. It is likely that other states will follow suit; the liability exposure with this activity is quite large.

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