FL H0585

Amends Section 627.748, Florida Statutes, to revise automobile insurance requirements for transportation network companies (TNCs), TNC drivers, and TNC vehicle owners, effective July 1, 2026

Establishes new insurance requirements when a TNC driver has accepted a prearranged ride but no rider occupies the vehicle: minimum $50,000/$100,000 bodily injury coverage, $25,000 property damage, plus personal injury protection and uninsured/underinsured motorist coverage

Requires $1 million primary liability coverage for death, bodily injury, and property damage when a rider occupies the TNC vehicle, along with personal injury protection at limousine-level minimums

Coverage requirements may be satisfied by insurance maintained by the TNC driver, the TNC vehicle owner, the TNC company itself, or a combination thereof

TNCs must maintain required coverage unless the driver has a non-excluding policy; if driver's insurance lapses or fails to provide required coverage, TNC insurance must cover claims from the first dollar and defend such claims