House Bill 171 Summary

• Requires transportation network companies and their drivers to maintain insurance coverage specifically for prearranged transportation services using online-enabled platforms.

• Establishes minimum insurance requirements including liability coverage with limits per Idaho Code section 49-117(18) and coverage for death, bodily injury, property damage, uninsured motorists, and underinsured motorists.

• Specifies that transportation network company insurance provides primary coverage from the moment a driver logs onto the platform until logging off or ride completion, whichever is later, and coverage does not depend on personal insurance policy denial.

• Clarifies that personal automobile insurance policies are not required to provide coverage during commercial use periods unless expressly stated in the policy with a separately paid premium.

• Requires transportation network companies to cooperate with insurers during accident investigations, provide electronic records within 10 business days showing driver login and logout times, and disclose insurance coverage details and legal requirements to drivers in writing.