MN SF1679

Establishes insurance requirements for transportation network company drivers in Minnesota, requiring primary automobile insurance that recognizes the driver's status while logged on to the digital network or engaged in a prearranged ride.

Requires minimum coverage of $50,000/$100,000/$30,000 (per person/per accident/property damage) while drivers are logged on but not actively providing rides, and $1,500,000 total coverage while actively engaged in a prearranged ride.

Allows transportation network companies or drivers to satisfy coverage requirements through driver-maintained insurance, company-maintained insurance, or any combination thereof, with company insurance providing backup coverage if driver insurance lapses or is insufficient.

Permits personal automobile insurers to exclude all coverage for transportation network activities, including liability, uninsured/underinsured motorist, and physical damage coverage, while prohibiting these exclusions from invalidating existing policies.

Requires transportation network companies to disclose to drivers in writing the insurance coverage provided, potential gaps in personal insurance coverage, and risks associated with using financed vehicles, effective July 1, 2015.