ID H0292

Establishes a new section 41-2517 in Idaho Code to regulate insurance requirements for transportation network company drivers, including rideshare services using online-enabled platforms.

Defines "commercial use period" as the time from when a driver logs into a transportation network platform until logging off or when a passenger exits the vehicle, whichever is later.

Specifies that personal automobile insurance policies shall not provide coverage during the commercial use period unless the policy explicitly provides such coverage with or without a separate charge, or includes an amendment or endorsement for which a separately stated premium is paid.

Prohibits personal automobile insurers from having the duty to defend or indemnify for transportation network company activities during commercial use periods unless the policy expressly provides otherwise or contains an endorsement with a separately stated premium.

Clarifies that the law does not require private passenger automobile insurance policies to provide primary, umbrella, or excess coverage during commercial use periods.