Florida Senate - 2025                        COMMITTEE AMENDMENT
       Bill No. SB 1206
       
       
       
       
       
       
                                Ì401138ÊÎ401138                         
       
                              LEGISLATIVE ACTION                        
                    Senate             .             House              
                  Comm: RCS            .                                
                  04/01/2025           .                                
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       The Committee on Banking and Insurance (DiCeglie) recommended
       the following:
       
    1         Senate Amendment (with title amendment)
    2  
    3         Delete everything after the enacting clause
    4  and insert:
    5         Section 1. Present paragraphs (c) through (i) of subsection
    6  (7) of section 627.748, Florida Statutes, are redesignated as
    7  paragraphs (d) through (j), respectively, a new paragraph (c) is
    8  added to that subsection, and paragraph (a) and present
    9  paragraphs (c), (d), and (h) of that subsection are amended, to
   10  read:
   11         627.748 Transportation network companies.—
   12         (7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER INSURANCE
   13  REQUIREMENTS.—
   14         (a) Beginning July 1, 2025 2017, a TNC driver or a TNC on
   15  behalf of the TNC driver shall maintain primary automobile
   16  insurance that:
   17         1. Recognizes that the TNC driver is a TNC driver or
   18  otherwise uses a vehicle to transport riders for compensation;
   19  and
   20         2. Covers the TNC driver while the TNC driver is logged on
   21  to the digital network of the TNC or while the TNC driver is
   22  engaged in a prearranged ride.
   23         (c) The following automobile insurance requirements apply
   24  while a participating TNC driver has accepted a prearranged
   25  ride, but a rider does not occupy the TNC vehicle:
   26         1. Automobile insurance that provides:
   27         a. A primary automobile liability coverage of at least
   28  $50,000 for death and bodily injury per person, $100,000 for
   29  death and bodily injury per incident, and $25,000 for property
   30  damage;
   31         b. Personal injury protection benefits that meet the
   32  minimum coverage amounts required under ss. 627.730-627.7405;
   33  and
   34         c. Uninsured and underinsured vehicle coverage as required
   35  under s. 627.727.
   36         2.The coverage requirements of this paragraph may be
   37  satisfied by any of the following:
   38         a. Automobile insurance maintained by the TNC driver or the
   39  TNC vehicle owner;
   40         b. Automobile insurance maintained by the TNC; or
   41         c. A combination of sub-subparagraphs a. and b.
   42         (d)(c) The following automobile insurance requirements
   43  apply while a TNC driver is engaged in a prearranged ride and
   44  the rider occupies the TNC vehicle:
   45         1. Automobile insurance that provides:
   46         a. A primary automobile liability coverage of at least $1
   47  million for death, bodily injury, and property damage;
   48         b. Personal injury protection benefits that meet the
   49  minimum coverage amounts required of a limousine under ss.
   50  627.730-627.7405; and
   51         c. Uninsured and underinsured vehicle coverage as required
   52  by s. 627.727.
   53         2. The coverage requirements of this paragraph may be
   54  satisfied by any of the following:
   55         a. Automobile insurance maintained by the TNC driver or the
   56  TNC vehicle owner;
   57         b. Automobile insurance maintained by the TNC; or
   58         c. A combination of sub-subparagraphs a. and b.
   59         (e)(d)The TNC shall maintain the required coverage under
   60  paragraphs (b), (c), and (d) unless the driver maintains a
   61  policy that does not exclude, pursuant to subsection (8), the
   62  required coverage under either paragraph (b), paragraph (c), or
   63  paragraph (d). If the insurance maintained by the TNC driver TNC
   64  driver’s insurance under paragraph (b), paragraph (c), or
   65  paragraph (d) lapses, paragraph (b) or paragraph (c) has lapsed
   66  or does not provide the required coverage, the insurance
   67  maintained by the TNC must provide the coverage required under
   68  this subsection, beginning with the first dollar of a claim, and
   69  have the duty to defend such claim.
   70         (i)(h) A TNC driver shall carry proof of coverage
   71  satisfying paragraphs (b), (c), and (d) paragraphs (b) and (c)
   72  with him or her at all times during his or her use of a TNC
   73  vehicle in connection with a digital network. In the event of an
   74  accident, a TNC driver shall provide this insurance coverage
   75  information to any party directly involved in the accident or
   76  the party’s designated representative, automobile insurers, and
   77  investigating police officers. Proof of financial responsibility
   78  may be presented through an electronic device, such as a digital
   79  phone application, under s. 316.646. Upon request, a TNC driver
   80  shall also disclose to any party directly involved in the
   81  accident or the party’s designated representative, automobile
   82  insurers, and investigating police officers whether he or she
   83  was logged on to a digital network or was engaged in a
   84  prearranged ride at the time of the accident.
   85         Section 2. This act shall take effect July 1, 2025.
   86  
   87  ================= T I T L E  A M E N D M E N T ================
   88  And the title is amended as follows:
   89         Delete everything before the enacting clause
   90  and insert:
   91                        A bill to be entitled                      
   92         An act relating to transportation network company
   93         driver insurance; amending s. 627.748, F.S.; revising
   94         automobile insurance requirements for transportation
   95         network company drivers; providing an effective date.