This bill amends section 627.748 of the Florida Statutes to revise the automobile insurance requirements for transportation network company (TNC) drivers. It establishes that, starting July 1, 2025, TNC drivers or the TNC on their behalf must maintain primary automobile insurance that recognizes their status as TNC drivers and covers them while logged onto the TNC's digital network or during a prearranged ride. New provisions are added to specify insurance requirements when a TNC driver has accepted a prearranged ride but no rider is in the vehicle, including minimum liability coverage of $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage, as well as personal injury protection and uninsured/underinsured vehicle coverage.

Additionally, the bill outlines insurance requirements while a rider occupies the TNC vehicle, mandating a minimum liability coverage of $1 million. It clarifies that the TNC must maintain the required coverage unless the driver has a policy that does not exclude the necessary coverage. The bill also requires TNC drivers to carry proof of insurance that satisfies the updated requirements and to disclose their status regarding the digital network during an accident. The effective date for these changes is set for July 1, 2025.