Florida SB 632: Taking of Bears

Bill Text

632 
Transportation Network Company, Driver, and Vehicle Owner Insurance 
2025-11-20T09:59:05Z 
Revising automobile insurance requirements for transportation network companies, transportation network company drivers, and transportation network company vehicle owners, etc. 
Original Filed Version 
2026 
S 
2026-07-01T00:00:00Z 
GB 
General Bill 
__ 

 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 acci