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STATE OF OKLAHOMA
2nd Session of the 60th Legislature (2026)
HOUSE BILL 4357 By: Moore
AS INTRODUCED
An Act relating to insurance; amending 47 O.S. 2021,
Section 1025, which relates to required insurance
coverage; modifying mandatory minimum coverage by
doubling minimums; and providing an effective date.
BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
SECTION 1. AMENDATORY 47 O.S. 2021, Section 1025, is
amended to read as follows:
Section 1025. A. On or before July 1, 2015, and thereafter, a
transportation network company driver or TNC on the TNC driver's
behalf shall maintain primary automobile insurance that recognizes
that the driver is a TNC driver or otherwise uses a vehicle to
transport passengers for compensation and covers the driver:
1. While the driver is both logged on to and available to
receive transportation requests on the TNC's digital network; or
2. While the driver is engaged in providing prearranged rides.
B. The following automobile insurance requirements shall apply
while a TNC driver is both logged on to the TNC's digital network
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and available to receive transportation requests but is not engaged
in prearranged rides:
1. Primary automobile liability insurance in the amount of at
least Fifty Thousand Dollars ($50,000.00) One Hundred Thousand
Dollars ($100,000.00) for death and bodily injury per person, One
Hundred Thousand Dollars ($100,000.00) Two Hundred Thousand Dollars
($200,000.00) for death and bodily injury per incident, and Twenty-
five Thousand Dollars ($25,000.00) Fifty Thousand Dollars
($50,000.00) for property damage;
2. Uninsured motorist coverage where not waived pursuant to
Section 3636 of Title 36 of the Oklahoma Statutes; and
3. The coverage requirements of this subsection may be
satisfied by any of the following:
a. automobile insurance maintained by the TNC driver,
b. automobile insurance maintained by the TNC, or
c. any combination of subparagraphs a and b of this
paragraph.
C. The following automobile insurance requirements shall apply
while a TNC driver is engaged in a prearranged ride:
1. Primary automobile liability insurance that provides at
least One Million Dollars ($1,000,000.00) for death, bodily injury,
and property damage;
2. Uninsured motorist coverage where not waived pursuant to
Section 3636 of Title 36 of the Oklahoma Statutes; and
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3. The coverage requirements of this subsection may be
satisfied by any of the following:
a. automobile insurance maintained by the TNC driver,
b. automobile insurance maintained by the TNC, or
c. any combination of subparagraphs a and b of this
paragraph.
D. If insurance maintained by a TNC driver in subsection B or C
of this section has lapsed or does not provide the required
coverage, insurance maintained by a TNC shall provide the coverage
required by this section beginning with the first dollar of a claim
and have the duty to defend such claim.
E. Coverage under an automobile insurance policy maintained by
the TNC shall not be dependent on a personal automobile insurer
first denying a claim nor shall a personal automobile insurance
policy be required to first deny a claim.
F. Insurance required by this section may be placed with an
insurer authorized to do business in this state or with a surplus
lines insurer eligible under Section 1100 et seq. of Title 36 of the
Oklahoma Statutes.
G. Insurance satisfying the requirements of this section shall
be deemed to satisfy the financial responsibility requirement for a
motor vehicle under Chapter 7 of the Oklahoma Highway Safety Code of
Section 7-101 et seq. of this title, while the TNC driver is logged
into the network.
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H. A TNC driver shall carry proof of coverage satisfying
subsections B and C of this section with him or her at all times
during his or her use of a vehicle in connection with a
transportation network company's digital network. Proof of coverage
may be presented in electronic format. In the event of an accident,
a TNC driver shall provide this insurance coverage information to
the directly interested parties, automobile insurers and
investigating police officers, upon request pursuant to Section 7-
102 et seq. of this title. Upon such request, a TNC driver shall
also disclose to directly interested parties, automobile insurers,
and investigating police officers whether he or she was logged on to
the TNC's digital network or on a prearranged ride at the time of an
accident.
SECTION 2. This act shall become effective November 1, 2027.
60-2-14762 MJ 01/01/26