House Bill 28 amends Tennessee Code Annotated, Title 55, Chapter 12, by introducing a new provision that exempts visually impaired owners of motor vehicles from the requirement of obtaining a commercial motor vehicle liability policy, provided that the vehicle is not used for commercial purposes. This change aims to ease the financial burden on visually impaired individuals who own personal vehicles, allowing them to maintain a standard owner's policy of liability insurance instead.

The bill defines "commercial purposes" to exclude situations where a driver is paid or employed to operate the visually impaired owner's vehicle for personal use. Additionally, it clarifies that "visually impaired" refers to individuals who are blind or partially blind. The act is set to take effect on July 1, 2025, and will apply to insurance policies that are entered into or renewed on or after that date.