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Since the beginning, ride-sharing has been a complicated issue. At first there were  issues with drivers using their personal autos for business use; many drivers did not understand that what they were doing was excluded under their personal auto policy. It took some time for the industry to adapt and make it clear when coverage fell under the personal auto, when there was no coverage under the personal auto, and when coverage fell to the Transportation Network Company (TNC). Carriers began developing endorsements and coverage specifically for ride-sharing, especially as some states passed legislation requiring coverage to be provided during any gap periods.

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