MS HB1382

Requires transportation network company (TNC) drivers or their companies to maintain primary automobile insurance covering drivers while logged onto the TNC's digital network or engaged in prearranged rides.

Establishes minimum insurance requirements of $50,000/$100,000/$25,000 (liability/per incident/property damage) when logged on but not actively providing rides, and $1,000,000 combined liability when engaged in a prearranged ride, plus uninsured motorist and medical payments coverage.

Requires TNCs to provide written disclosure to drivers about insurance coverage offered and that personal automobile insurance policies may exclude coverage during TNC activities.

Permits personal automobile insurers to exclude all coverage for losses occurring while a driver is logged on to a TNC network or providing a prearranged ride, including liability, collision, comprehensive, and medical payments coverage.

Effective July 1, 2016; insurance satisfying these requirements shall meet Mississippi Motor Vehicle Safety Responsibility Law requirements.