CT HB05523

Establishes insurance requirements for transportation network company (TNC) drivers effective July 1, 2016, defining TNCs as companies using digital networks to connect riders with non-employee drivers using personal vehicles for prearranged rides.

Requires drivers or TNCs to maintain automobile liability insurance of at least $50,000/$100,000/$25,000 (bodily injury/death/property damage) when logged on but not actively providing rides, and $1 million coverage while actively transporting passengers.

Permits TNC drivers' personal auto insurance policies to exclude coverage for TNC activity, and mandates that TNC insurance policies provide primary coverage beginning with the first dollar of claims if driver's personal policy lapses or lacks required coverage.

Requires TNCs to disclose to drivers in writing the insurance coverage provided, that personal policies may not cover TNC activity, and that using a financed vehicle for TNC work without physical damage coverage may violate loan terms.

Excludes personal vehicles operated by TNC drivers from the definition of "taxicabs" and "motor vehicles in livery service," exempting them from existing transportation licensing and regulation requirements.