House Bill 316 Summary

• Establishes the "Idaho Transportation Network Insurance Act" creating insurance requirements for transportation network company (TNC) drivers effective July 1, 2015, requiring primary automobile liability coverage while logged into or actively engaged in providing rides.

• Requires $50,000/$100,000/$25,000 liability coverage (per person/incident/property damage) while drivers are logged on and available to receive requests, and $1,000,000 combined liability coverage while actively transporting passengers.

• Coverage requirements may be satisfied by driver's personal insurance, TNC company insurance, or a combination of both, with TNC insurance providing primary coverage if driver's personal insurance lapses.

• Requires TNCs to disclose insurance coverage details and limits to drivers in writing before allowing them to accept ride requests, and to inform drivers that their personal insurance may not cover TNC activities.

• Permits personal automobile insurers to exclude all coverage for losses occurring while a driver is logged into a TNC network or providing prearranged rides, and requires TNCs and insurers to cooperate in claims investigations by exchanging relevant information within specified timeframes.