Livery Insurance
What it means to you.... the passenger

New York State Law requires all vehicles that operate "for hire", such as taxi's, limousines, etc., possess "Livery" insurance and registration.  Livery insurance allows a vehicle to carry passengers for a fee and it is typically five to seven times more expensive than personal car insurance.  This brings into play the illegal operator, one that is NOT insured to carry passengers for hire.   They often do this because they can't afford to pay the premiums that go with running a legitimate livery service.  They put you and your family at risk every time you ride in their vehicles.  In the event of an accident you, your child or someone you know may not be covered.  Illegal operators usually don't tell their insurance agent that it's a limousine or a business vehicle used to carry passengers for hire.  Then they sign the insurance agreement that states they didn't make any fraudulent statements.  By not notifying their insurance company that it's a limousine used to carry passengers for a fee, their policy may become null and void, leaving you in the event of an accident uninsured and left to go after the owner directly.  Before putting yourself at risk or your child in a limo for their prom, ask and look for these important items as shown below... It makes a world of difference

Today's Limousine has been "Livery Insured" since established in 1991 

All New York State license plates should have the word "LIVERY" imprinted below the plate # as shown above.  Make sure when you go looking at Limousines or when the limousine pulls up they have the word livery or bus on the plate.  There is no way to get a regular plate if you have "for hire" insurance.  Insurance ID cards say "FH1" and For Hire Passenger Vehicle.. as shown below.  In the State Of New York all Livery insurance cards should look like this.

SUV Limousines that seat over 14 passenger should have "BUS" under the plate # & DOT inspection sticker