NY S04108

Requires transportation network company drivers to maintain primary automobile insurance with minimum coverage of $50,000 per person/$100,000 per incident for bodily injury and $25,000 for property damage while logged into the digital network but not actively transporting passengers.

Requires $1 million in primary automobile liability coverage while drivers are actively engaged in prearranged rides, which can be satisfied through driver's personal policy, a group policy maintained by the transportation network company, or a combination of both.

Authorizes transportation network companies to provide group insurance policies to drivers and allows individual auto insurers to exclude coverage for drivers while logged onto or actively using their vehicles for transportation network services.

Requires transportation network companies to disclose insurance coverage details and notify drivers in writing that their personal automobile insurance may not cover activities related to the transportation network company before allowing drivers to accept ride requests.

Permits municipalities to adopt ordinances regulating transportation network companies including background checks, but prohibits passenger pick-up services in cities with populations over one million unless specifically authorized by that city.