THE BILL ITSELF
SB 632
Transportation Network Company, Driver, and Vehicle Owner Insurance
Florida Senate - 2026 SB 632 By Senator DiCeglie 18-00478-26 2026632__
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A bill to be entitled
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An act relating to transportation network company,
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driver, and vehicle owner insurance; amending s.
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627.748, F.S.; revising automobile insurance
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requirements for transportation network companies,
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transportation network company drivers, and
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transportation network company vehicle owners;
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providing an effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. Present paragraphs (c) through (i) of subsection
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(7) of section 627.748, Florida Statutes, are redesignated as
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paragraphs (d) through (j), respectively, a new paragraph (c) is
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added to that subsection, and paragraph (a) and present
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paragraphs (c), (d), and (h) of that subsection are amended, to
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read:
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627.748 Transportation network companies.—
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(7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER INSURANCE
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REQUIREMENTS.—
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(a) Beginning July 1, 2026 2017 , a TNC driver or a TNC on
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behalf of the TNC driver shall maintain primary automobile
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insurance that:
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1. Recognizes that the TNC driver is a TNC driver or
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otherwise uses a vehicle to transport riders for compensation;
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and
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2. Covers the TNC driver while the TNC driver is logged on
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to the digital network of the TNC or while the TNC driver is
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engaged in a prearranged ride.
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(c) The following automobile insurance requirements apply
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while a participating TNC driver has accepted a prearranged ride
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but a rider does not occupy the TNC vehicle:
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1. Automobile insurance that provides:
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a. A primary automobile liability coverage of at least
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$50,000 for death and bodily injury per person, $100,000 for
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death and bodily injury per incident, and $25,000 for property
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damage;
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b. Personal injury protection benefits that meet the
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minimum coverage amounts required under ss. 627.730-627.7405;
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and
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c. Uninsured and underinsured vehicle coverage as required
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by s. 627.727.
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2. The coverage requirements of this paragraph may be
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satisfied by any of the following:
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a. Automobile insurance maintained by the TNC driver or the
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TNC vehicle owner;
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b. Automobile insurance maintained by the TNC; or
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c. A combination of sub-subparagraphs a. and b.
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(d) (c) The following automobile insurance requirements
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apply while a TNC driver is engaged in a prearranged ride and a
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rider occupies the TNC vehicle :
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1. Automobile insurance that provides:
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a. A primary automobile liability coverage of at least $1
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million for death, bodily injury, and property damage;
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b. Personal injury protection benefits that meet the
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minimum coverage amounts required of a limousine under ss.
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627.730-627.7405; and
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c. Uninsured and underinsured vehicle coverage as required
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by s. 627.727.
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2. The coverage requirements of this paragraph may be
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satisfied by any of the following:
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a. Automobile insurance maintained by the TNC driver or the
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TNC vehicle owner;
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b. Automobile insurance maintained by the TNC; or
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c. A combination of sub-subparagraphs a. and b.
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(e) (d) The TNC shall maintain the required coverage under
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paragraphs (b), (c), and (d) unless the driver maintains a
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policy that does not exclude, pursuant to subsection (8), the
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required coverage under paragraph (b), paragraph (c), or
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paragraph (d). If the insurance maintained by the TNC driver TNC
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driver’s insurance under paragraph (b) , or paragraph (c) , or
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paragraph (d) lapses, has lapsed or does not provide the
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required coverage, the insurance maintained by the TNC must
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provide the coverage required under this subsection, beginning
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with the first dollar of a claim, and have the duty to defend
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such claim.
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(i) (h) A TNC driver shall carry proof of coverage
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satisfying paragraphs (b) , and (c) , and (d) with him or her at
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all times during his or her use of a TNC vehicle in connection
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with a digital network. In the event of an accident, a TNC
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driver shall provide this insurance coverage information to any
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party directly involved in the accident or the party’s
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designated representative, automobile insurers, and
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investigating police officers. Proof of financial responsibility
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may be presented through an electronic device, such as a digital
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phone application, under s. 316.646. Upon request, a TNC driver
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shall also disclose to any party directly involved in the
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accident or the party’s designated representative, automobile
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insurers, and investigating police officers whether he or she
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was logged on to a digital network or was engaged in a
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prearranged ride at the time of the accident.
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Section 2. This act shall take effect July 1, 2026.