Self-Regulation Guided by the Constitution is the Path to Liberty

HB22-1089, Rideshares And Uninsured Motorist Insurance Coverage

Bill summary:

Current law requires a transportation network company or its drivers to secure primary liability insurance coverage for the drivers for incidents involving the drivers during prearranged rides and for periods when a driver is logged into a transportation network company’s digital network but not engaged in a prearranged ride. Section 1 of the bill requires a transportation network company or its drivers to also secure insurance protection for drivers and for their riders against damages caused by uninsured motorists.

Current law requires automobile liability and motor vehicle liability policies to provide coverage for damages caused by uninsured motorists; except that the named insured may reject such coverage in writing. Section 2 provides that : a named insured may not reject such coverage if the named insured is:

• A transportation network company; or If the named insured is a transportation network company securing coverage for a transportation network company driver to protect against damages caused by uninsured motorists, the named insured may not reject the coverage for periods when the transportation network company driver is engaged in a ride or logged into the transportation network company’s digital network but not engaged in a prearranged ride; and
• A transportation network company driver for whom the transportation network company has not secured such coverage If the named insured is a transportation network company driver for whom a transportation network company has not secured coverage to protect against damages caused by uninsured motorists, the named insured may not reject the coverage for periods when the named insured is engaged in a ride or logged into the transportation network company’s digital network but not engaged in a prearranged ride.

(Note: Italicized words indicate new material added to the original summary; dashes through words indicate deletions from the original summary.)

(Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)

HB22-1089, Rideshares And Uninsured Motorist Insurance Coverage is sponsored by Senator Faith Winters (Democrat) and Representative Steven Woodrow (Democrat).

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