This bill amends section 627.748 of the Florida Statutes to revise the automobile insurance requirements for transportation network companies (TNCs), TNC drivers, and vehicle owners. Key changes include the establishment of new insurance requirements that TNC drivers must maintain while logged onto the TNC's digital network or engaged in a prearranged ride. Specifically, the bill introduces a new paragraph (c) that mandates primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 per incident, and $25,000 for property damage when a driver has accepted a prearranged ride but no rider is in the vehicle. Additionally, it requires personal injury protection benefits and uninsured/underinsured vehicle coverage.

The bill also specifies that while a TNC driver is engaged in a prearranged ride with a rider in the vehicle, the required primary automobile liability coverage increases to at least $1 million. The TNC is responsible for maintaining the required coverage unless the driver has a policy that does not exclude the necessary coverage. Furthermore, TNC drivers must carry proof of their insurance coverage at all times and provide this information in the event of an accident. The act is set to take effect on July 1, 2026.