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Personal Injury Protection (PIP) is the part of a vehicle's insurance that pays certain costs for a person injured in a crash, such as medical bills, up to a set amount per person. In New York it is often called "no-fault" coverage, and the expenses it pays are defined in the state Insurance Law. Every TLC-licensed vehicle must carry it. Since March 1, 2026, the TLC minimum for taxis and FHVs is $100,000 per person, down from $200,000 (TLC 2025 Annual Report).
Rule citation
TLC rule §59A-12(c)(1)(i) (FHVs with fewer than eight seats) requires "$100,000 per person, payable for those expenses specified in paragraphs 1, 2 and 3 of subdivision a of section 5102 of the New York State Insurance Law." The same $100,000 per-person line appears for larger FHVs and luxury limousines (§59A-12(c)(2)–(4)). TLC's insurance chart labels it "Personal Injury Protection (PIP)."
The 2026 cut came from Local Law 90 of 2025. TLC says the law limits personal injury coverage for TLC vehicles to "amounts not exceeding 200% of the $50,000 state-level minimum." TLC adopted the maximum, $100,000, for taxis, FHVs, luxury limousines and street hail liveries.
How much PIP each vehicle needs
| Vehicle | Seats | PIP minimum |
|---|---|---|
| Livery and black car | 1–20 | $100,000 |
| Luxury limousine | 1–20 | $100,000 |
| Medallion taxi | 1–7 | $100,000 |
| Commuter van | 1–20 | $50,000 |
| Paratransit | — | New York State requirements |
Source: TLC Vehicle Insurance Requirements, updated 03/03/2026. PIP is separate from the liability and property damage minimums on the same chart; see FHV insurance requirements.
Example
You drive a black car and a passenger is hurt in a crash. The passenger's injury costs may be paid under the car's PIP, up to $100,000 for that person, through the insurer that issued the FH-1. Costs above that limit, and any claim against the driver, are separate questions for the insurer or a lawyer.
Where you will see this term
On your FH-1 and policy declaration page, on TLC's insurance chart, in crash claim letters, and in pages about rideshare insurance in NYC and using a personal car for Uber.
Related terms
FH-1 · FHV insurance requirements · Driver Protection Unit · DCWP · dashcams in TLC vehicles · commercial motor vehicle tax · vehicles hub
Frequently asked questions
How much PIP does a TLC vehicle need in 2026?
$100,000 per person for yellow taxis, black cars, liveries and luxury limousines, and $50,000 for commuter vans, per TLC's Vehicle Insurance Requirements updated 03/03/2026. Paratransit vehicles follow New York State requirements.
Why did TLC lower PIP from $200,000?
TLC adopted rules to implement Local Law 90 of 2025, which limits personal injury coverage for TLC-licensed vehicles to no more than 200% of the $50,000 state minimum. The change took effect March 1, 2026 (TLC 2025 Annual Report).
Is PIP the same as liability insurance?
No. TLC lists them as separate minimums. For a 1–7 seat FHV, the rule requires $100,000 per person for the injury expenses in Insurance Law §5102(a), plus $100,000/$300,000 liability for bodily injury and $10,000 for property damage.
Sources
Last reviewed against the official sources on .
- TLC: Vehicle Insurance Requirements (PDF, updated 03/03/2026) nyc.gov
- TLC 2025 Annual Report (Personal Injury Insurance Coverage rule) nyc.gov
- TLC Rules Chapter 59 (§59A-12), updated Feb 27, 2026 nyc.gov
- TLC: Get a For-Hire Vehicle License (insurance table) nyc.gov
Spotted something out of date? Tell us and we'll check it against the official source.
TLC Help is not a law firm and is not affiliated with the NYC Taxi & Limousine Commission or OATH. Explanations on this site are general information, not legal advice. Legal representation is provided by independent attorneys and OATH-registered representatives in our network.