STORAGE NAME: h0315.IBS
DATE: 3/4/2025
1
FLORIDA HOUSE OF REPRESENTATIVES
BILL ANALYSIS
This bill analysis was prepared by nonpartisan committee staff and does not constitute an official statement of legislative intent.
BILL #: HB 315
TITLE: Transportation Network Company and Driver
Insurance Requirements
SPONSOR(S): Fabricio
COMPANION BILL: None
LINKED BILLS: None
RELATED BILLS: SB 1206 (DiCeglie)
Committee References
Insurance & Banking
Commerce
SUMMARY
Effect of the Bill:
The bill changes the insurance requirement that applies when a transportation network driver (i.e., Uber, Lyft,
Sidecar, etc.) is engaged in a prearranged ride, but the rider is not in the vehicle, from $1 million, per accident for
death, bodily injury, and property damage, to $50,000 for bodily injury or death to one person, $100,000 for bodily
injury or death, per incident, and $25,000 for property damage. This is the same insurance obligation that applies
when the TNC driver is logged on to the application but is waiting to be connected to a rider for a prearranged ride.
The insurance requirement for when a TNC driver is engaged in a prearranged ride and the rider is in the vehicle is
unchanged at $1 million, per accident for death, bodily injury, and property damage.
Fiscal or Economic Impact:
TNC networks may pay reduced insurance premiums, which may possibly be passed onto consumers.
JUMP TO SUMMARY ANALYSIS RELEVANT INFORMATION BILL HISTORY
ANALYSIS
EFFECT OF THE BILL:
Current law requires at least $1 million insurance coverage for death, bodily injury, and property damage for TNC
drivers engaged in any prearranged ride, regardless of whether a rider is occupying the vehicle. The bill reduces
this requirement if the TNC driver is engaged in a prearranged ride with no rider occupying the vehicle, i.e., they
have connected on the application for a ride and the TNC driver is en route to the rider’s location.
When a TNC driver is logged into the application, but not connected to a rider at all, the minimum coverage
requirement is $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident,
and $25,000 for property damage in addition to the standard personal injury protection and
uninsured/underinsured coverages required for Florida drivers.
12
For when the TNC driver is engaged with a rider for a prearranged ride, but the rider is not present in the vehicle,
the bill changes the applicable coverage requirement from the current $1 million $50,000 for death and bodily
injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage.
The ultimate outcome of the bill is that the lower minimum coverage requirements currently applicable to TNC
drivers logged onto the digital network but not engaged in a prearranged ride will now also apply to TNC drivers
1
For purposes of comparison, s. 324.032, F.S., requires for-hire passenger transportation vehicles to carry limits of
$125,000/$250,000 for bodily injury and $50,000 for property damage. Taxicabs, limousines, and other for-hire
transportation vehicles are subject to s. 324.032, F.S.
2
For the personal injury protection and uninsured/underinsured coverage requirements, see infra notes 4-5. JUMP TO SUMMARY ANALYSIS RELEVANT INFORMATION BILL HISTORY
2
engaged in a prearranged ride with no rider. The minimum coverage required for TNC drivers engaged in a
prearranged ride with a rider present remains unchanged.
The effective date of the bill is July 1, 2025.
FISCAL OR ECONOMIC IMPACT:
PRIVATE SECTOR:
TNC networks may pay reduced insurance premiums, which may possibly be passed onto consumers.
RELEVANT INFORMATION
SUBJECT OVERVIEW:
Transportation Network Companies (TNCs)
Transportation network companies (TNCs) are businesses that use a digital network to connect riders who provide
prearranged rides. Examples of TNCs include Uber, Lyft, and Sidecar. Chapter 627.748, F.S., governs the operation
of TNCs, including their insurance coverage requirements.
The law defines a “TNC vehicle” as a vehicle that is used by a TNC driver to offer or provide a prearranged ride and
owned, leased, or otherwise authorized to be used by the TNC driver. A vehicle that is let or rented to another for
consideration may be used as a TNC vehicle. The bill specifies that a taxicab, jitney, limousine, or for-hire vehicle is
not a TNC vehicle.
Statute also defines the term “prearranged ride” as the provision of transportation by a TNC driver to a rider,
beginning when a TNC driver accepts a ride requested by a rider through a digital network
3 controlled by a TNC,
continuing while the TNC driver transports the requesting rider, and ending when the last requesting rider departs
from the TNC vehicle. The term does not include a taxicab, for-hire vehicle, or street hail
4 service and does not
include ridesharing,
5 carpool,
6 or any other type of service in which the driver receives a fee that does not exceed
the driver's cost to provide the ride.
TNC Coverage Requirements
Current law prescribes different insurance requirements for two scenarios: when a driver is logged on but not
engaged in a ride, and when a driver is engaged in a prearranged ride. The required coverage is significantly higher
for TNC drivers engaged in a prearranged ride.
The following coverage requirements apply while a TNC driver is logged on to the digital network but not engaged
in a prearranged ride under Section 627.748(7)(b), F.S.:
3
“Digital network” is defined as any online-enabled technology application service, website, or system offered or used by a
TNC which enables the prearrangement of riders with TNC drivers. F.S., Section 627.748(1)(a).
4
“Street hail” is defined as an immediate arrangement on a street with a driver by a person using any method other than a
digital network to seek immediate transportation.
5
Section 341.031(9)(a), F.S., defines “ridesharing” as an arrangement between persons with a common destination, or
destinations, within the same proximity, to share the use of a motor vehicle on a recurring basis for round-trip transportation
to and from their place of employment or other common destination. For purposes of ridesharing, employment shall be
deemed to commence when an employee arrives at the employer's place of employment to report for work and shall be
deemed to terminate when the employee leaves the employer's place of employment, excluding areas not under the control of
the employer. However, an employee shall be deemed to be within the course of employment when the employee is engaged in
the performance of duties assigned or directed by the employer, or acting in the furtherance of the business of the employer,
irrespective of location.
6
Section 450.28(3), F.S., defines “carpool” as an arrangement made by the workers using one worker's own vehicle for
transportation to and from work and for which the driver or owner of the vehicle is not paid by any third person other than
the members of the carpool. JUMP TO SUMMARY ANALYSIS RELEVANT INFORMATION BILL HISTORY
3
Primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000
for death and bodily injury per incident, and $25,000 for property damage.
7
Personal injury protection benefits that meet the minimum coverage amounts required under sections
627.730-627.7405, F.S.
8
Uninsured and underinsured vehicle coverage as required by section 627.727, F.S.
9
Current law applies the following coverage requirements while a TNC driver is engaged in a prearranged ride
under Section 627.748(7)(c), both when connected to a rider but the rider is not yet in the vehicle and when the
rider is present:
A primary automobile liability coverage of at least $1 million for death, bodily injury, and property
damage.
10
Personal injury protection meeting the minimum coverage amounts required for a limousine under
627.730-627.7405, F.S.
11
Uninsured and underinsured vehicle coverage as required by section 627.727, F.S.
12
BILL HISTORY
COMMITTEE REFERENCE ACTION DATE
STAFF
DIRECTOR/
POLICY CHIEF
ANALYSIS
PREPARED BY
Insurance & Banking
Subcommittee
Lloyd Schenk
Commerce Committee
7
Section 627.748(7)(b), F.S.
8
Sections 627.730-627.7405, F.S., are the “Florida Motor Vehicle No-Fault Law.” The law requires Florida motor vehicle
owners to maintain Personal Injury Protection (PIP) insurance coverage.
9
Section 627.727, F.S., provides uninsured and underinsured vehicle coverage requirements for all motor vehicle liability
policies issued in Florida..
10
Section 627.748(7)(c), F.S.
11
Supra note 8.
12
Supra note 9.