No. HB 585
Filed under Insurance.
Transportation Network Company, Driver, and Vehicle Owner Insurance; Revises automobile insurance requirements for transportation network companies, TNC drivers, & TNC vehicle owners.
Plain English Summary
AI-GENERATEDOnce a TNC driver accepts a ride but before the rider gets in the car, the driver, vehicle owner, or TNC must carry at least $50,000 per person and $100,000 per incident in liability coverage, plus personal injury protection and uninsured-motorist coverage.
The bill also makes the TNC responsible by default for providing this coverage, unless the driver's own personal auto policy does not exclude coverage for ride-share activity.
It also narrows when the TNC must step in as a backstop insurer: only if the driver's required insurance actually lapses, not merely if it falls short of the required amounts.
AICreates a new insurance requirement, separate from the existing $1 million tier, for the period after a TNC driver accepts a prearranged ride but before the rider is in the vehicle: at least $50,000 per person and $100,000 per incident in liability coverage, $25,000 in property damage coverage, minimum personal injury protection, and uninsured-motorist coverage.
AIMakes the transportation network company responsible by default for maintaining the required coverage during the accepted-ride and prearranged-ride periods, unless the driver already carries a personal policy that does not exclude that coverage.
AIThe existing requirement for $1 million in combined liability, injury, and property damage coverage once a ride is underway now applies only once a rider physically occupies the vehicle, separating that period from the new lower tier that applies beforehand.
AINarrows the wording that triggers the TNC's duty to step in with first-dollar coverage: previously the trigger was insurance that had lapsed or did not provide the required coverage; now it is limited to insurance that lapses.
AIA TNC driver must now carry proof of coverage for the new accepted-ride tier in addition to the two tiers already required, and must show it to anyone involved in an accident.