Personal Auto PolicyQuestion 9 of 474
Under California's Transportation Network Company (TNC) framework, which best describes 'Period 1'?
a.The driver has accepted a request and is driving to pick up the passenger
b.The driver has a passenger in the vehicle and is en route to the destination, the period for which California requires $1 million of TNC liability coverage
c.The driver has logged off the TNC app and is driving personally
d.The TNC app is on and the driver is logged in but has not yet accepted a ride request
Explanation
California TNC law breaks the driver's exposure into three periods. Period 1 is when the app is on and the driver is waiting for a request. Period 2 is from accepting a request until pickup. Period 3 is from passenger pickup until passenger drop-off. The PAP usually excludes Periods 2 and 3 and often Period 1 too without a TNC endorsement.
Law Reference: Cal. Pub. Util. Code §5430+This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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