MI HB4639

Allows insurers to exclude all coverage for personal vehicles used by transportation network company (TNC) drivers while logged into a TNC digital network or providing prearranged rides, including liability, personal protection, uninsured motorist, comprehensive, and collision coverage.

Requires TNC companies and insurers to cooperate during claim investigations by exchanging relevant information including driver login/logout times and policy coverage details.

Maintains existing automobile liability insurance minimum limits of $20,000 per person/$40,000 per accident for bodily injury and $10,000 for property damage.

Requires insurers to offer new applicants collision coverage options including limited collision without deductible and broad form collision with deductibles waived if operator is not substantially at fault.

Takes effect March 21, 2017, conditional on passage of House Bills 4637 and 4640, House Bill 4641, and Senate Bill 392.