Transportation Network Company, Driver, and Vehicle Owner Insurance

Florida Senate
-
2026

SB 632

By
Senator DiCeglie

18-00478-26 2026632__
1 A bill to be entitled
2 An act relating to transportation network company,
3 driver, and vehicle owner insurance; amending s.
4 627.748, F.S.; revising automobile insurance
5 requirements for transportation network companies,
6 transportation network company drivers, and
7 transportation network company vehicle owners;
8 providing an effective date.
9
10 Be It Enacted by the Legislature of the State of Florida:
11
12 Section 1. Present paragraphs (c) through (i) of subsection
13 (7) of section 627.748, Florida Statutes, are redesignated as
14 paragraphs (d) through (j), respectively, a new paragraph (c) is
15 added to that subsection, and paragraph (a) and present
16 paragraphs (c), (d), and (h) of that subsection are amended, to
17 read:
18 627.748 Transportation network companies.—
19 (7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER INSURANCE
20 REQUIREMENTS.—
21 (a) Beginning July 1,
2026

2017
, a TNC driver or a TNC on
22 behalf of the TNC driver shall maintain primary automobile
23 insurance that:
24 1. Recognizes that the TNC driver is a TNC driver or
25 otherwise uses a vehicle to transport riders for compensation;
26 and
27 2. Covers the TNC driver while the TNC driver is logged on
28 to the digital network of the TNC or while the TNC driver is
29 engaged in a prearranged ride.
30
(c)

The following automobile insurance requirements apply

31
while a participating TNC driver has accepted a prearranged ride

32
but a rider does not occupy the TNC vehicle:

33
1.

Automobile insurance that provides:

34
a.

A primary automobile liability coverage of at least

35
$50,000 for death and bodily injury per person, $100,000 for

36
death and bodily injury per incident, and $25,000 for property

37
damage;

38
b.

Personal injury protection benefits that meet the

39
minimum coverage amounts required under ss. 627.730-627.7405;

40
and

41
c.

Uninsured and underinsured vehicle coverage as required

42
by s. 627.727.

43
2.

The coverage requirements of this paragraph may be

44
satisfied by any of the following:

45
a.

Automobile insurance maintained by the TNC driver or the

46
TNC vehicle owner;

47
b.

Automobile insurance maintained by the TNC; or

48
c.

A combination of sub-subparagraphs a. and b.

49
(d)
(c)
The following automobile insurance requirements
50 apply while a TNC driver is engaged in a prearranged ride
and a

51
rider occupies the TNC vehicle
:
52 1. Automobile insurance that provides:
53 a. A primary automobile liability coverage of at least $1
54 million for death, bodily injury, and property damage;
55 b. Personal injury protection benefits that meet the
56 minimum coverage amounts required of a limousine under ss.
57 627.730-627.7405; and
58 c. Uninsured and underinsured vehicle coverage as required
59 by s. 627.727.
60 2. The coverage requirements of this paragraph may be
61 satisfied by any of the following:
62 a. Automobile insurance maintained by the TNC driver or the
63 TNC vehicle owner;
64 b. Automobile insurance maintained by the TNC; or
65 c. A combination of sub-subparagraphs a. and b.
66
(e)
(d)

The TNC shall maintain the required coverage under

67
paragraphs (b), (c), and (d) unless the driver maintains a

68
policy that does not exclude, pursuant to subsection (8), the

69
required coverage under paragraph (b), paragraph (c), or

70
paragraph (d).
If the
insurance maintained by the TNC driver

TNC

71
driver’s insurance
under paragraph (b)
,

or
paragraph (c)
, or

72
paragraph (d) lapses,

has lapsed or does not provide the

73
required coverage, the insurance maintained by
the TNC must
74 provide the coverage required under this subsection, beginning
75 with the first dollar of a claim, and have the duty to defend
76 such claim.
77
(i)
(h)
A TNC driver shall carry proof of coverage
78 satisfying paragraphs (b)
,

and
(c)
, and (d)
with him or her at
79 all times during his or her use of a TNC vehicle in connection
80 with a digital network. In the event of an accident, a TNC
81 driver shall provide this insurance coverage information to any
82 party directly involved in the accident or the party’s
83 designated representative, automobile insurers, and
84 investigating police officers. Proof of financial responsibility
85 may be presented through an electronic device, such as a digital
86 phone application, under s. 316.646. Upon request, a TNC driver
87 shall also disclose to any party directly involved in the
88 accident or the party’s designated representative, automobile
89 insurers, and investigating police officers whether he or she
90 was logged on to a digital network or was engaged in a
91 prearranged ride at the time of the accident.
92 Section 2. This act shall take effect July 1, 2026.