Financial Responsibility Of Transportation Network Companies And Drivers — Proof Of Coverage

TITLE 41 INSURANCE CHAPTER 25 CASUALTY INSURANCE CONTRACTS 41-2519. financial responsibility of transportation network companies and drivers — proof of coverage. (1) Effective July 1, 2015, and thereafter, a transportation network company driver or transportation network company on the driver’s behalf shall maintain primary automobile insurance that recognizes that the driver is a transportation network company driver or otherwise uses a vehicle to transport passengers for compensation and covers the driver: (a)  While the driver is logged on to the transportation network company’s digital network; or (b)  While the driver is engaged in a prearranged ride. (2)  The following automobile insurance requirements shall apply while a participating transportation network company driver is logged on to the transportation network company’s digital network and is available to receive transportation requests but is not engaged in a prearranged ride: (a)  Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000) for death and bodily injury per person, one hundred thousand dollars ($100,000) for death and bodily injury per incident and twenty-five thousand dollars ($25,000) for property damage. (b)  The coverage requirements of this subsection may be satisfied by any of the following: (i)   Automobile insurance maintained by the transportation network company driver; (ii)  Automobile insurance maintained by the transportation network company; or (iii) Any combination of the two (2). (3)  The following automobile insurance requirements shall apply while a transportation network company driver is engaged in a prearranged ride: (a)  Primary automobile liability insurance that provides at least one million dollars ($1,000,000) for death, bodily injury and property damage; (b)  The coverage requirements of this subsection may be satisfied by any of the following: (i)   Automobile insurance maintained by the transportation network company driver; (ii)  Automobile insurance maintained by the transportation network company; or (iii) Any combination of the two (2). (4)  If insurance maintained by a driver in subsection (2) or (3) of this section has lapsed or does not provide the required coverage, insurance maintained by a transportation network company shall provide the coverage required by this section beginning with the first dollar of a claim and have the duty to defend such claim. (5)  Coverage under an automobile insurance policy maintained by the transportation network company shall not be dependent on a personal automobile insurer first denying a claim nor shall a personal automobile insurance policy be required to first deny a claim. (6)  Insurance required by this section may be placed with an insurer authorized under title 41 , Idaho Code, or with a surplus lines insurer eligible under the surplus line law, sections 41-1211 through 41-1234 , Idaho Code. (7)  Insurance satisfying the requirements of this section shall be deemed to satisfy the financial responsibility requirement for a motor vehicle under chapter 12, title 49 , Idaho Code. (8)  A transportation network company driver shall carry proof of coverage satisfying subsections (2) and (3) of this section with him or her at all times during his or her use of a vehicle in connection with a transportation network company’s digital network. In the event of an accident, a transportation network company driver shall provide this insurance coverage information to the directly interested parties, automobile insurers and investigating police officers, upon request. Upon such request, a transportation network company driver shall also disclose to directly interested parties, automobile insurers, and investigating police officers whether he or she was logged on to the transportation network company’s digital network or on a prearranged ride at the time of an accident.