Bill > S559

This bill establishes new insurance requirements for transportation network companies (TNCs), which are companies like Uber and Lyft that use online platforms to connect passengers with drivers using their personal vehicles. The bill defines a TNC as an entity providing prearranged rides for compensation via an online platform, and a participating driver as someone using their vehicle for such services. It mandates that TNCs must clearly inform drivers in writing about the insurance coverage they provide and advise them that their personal auto insurance may not cover rides arranged through the TNC. The core of the bill outlines specific insurance coverage levels that must be in place for TNC drivers, differentiating between the period when a driver is logged into the TNC app but hasn't accepted a ride, and the period when they are actively engaged in a ride. During active rides, TNC insurance must provide primary liability coverage of at least $100,000 per person and $300,000 per accident for bodily injury or death, and $50,000 for property damage, along with personal injury protection, uninsured/underinsured motorist coverage, and potentially collision and comprehensive coverage if the driver has them on their personal policy. The bill clarifies that TNC insurance is primary and not dependent on a personal auto policy first denying a claim, and that personal auto policies are not required to provide coverage when a driver is logged into a TNC platform unless specifically endorsed. It also requires TNCs and their insurers to cooperate with other insurers in claims investigations and mandates that drivers carry proof of TNC insurance and provide it after an accident.