House Bill 28 amends Tennessee Code Annotated, Title 55, Chapter 12, by introducing a new section that exempts visually impaired motor vehicle owners from the requirement of obtaining a commercial motor vehicle liability policy, provided that their vehicle is not used for commercial purposes. The bill clarifies that "commercial purposes" does not include situations where a driver is paid or employed to operate the vehicle for the personal use of the visually impaired owner. Additionally, the bill defines "visually impaired" as being either blind or partially blind.

The act is set to take effect on July 1, 2025, and will apply to all motor vehicle liability policies that are entered into or renewed on or after that date. This legislation aims to ease the insurance burden on visually impaired individuals who own personal vehicles, ensuring they are not unfairly categorized under commercial insurance requirements.