Section 13-51-108 - Insurance(1) A transportation network company or a transportation network driver shall maintain insurance that covers, on a primary basis, a transportation network driver's use of a vehicle during a prearranged ride and that includes:(a) an acknowledgment that the transportation network driver is using the vehicle in connection with a transportation network company during a prearranged ride or that the transportation network driver is otherwise using the vehicle for a commercial purpose;(b) liability coverage for a minimum amount of $1,000,000 per occurrence;(c) personal injury protection to the extent required under Sections 31A-22-306 through 31A-22-309;(d) uninsured motorist coverage where required by Section 31A-22-305; and(e) underinsured motorist coverage where required by Section 31A-22-305.3.(2) A transportation network company or a transportation network driver shall maintain insurance that covers, on a primary basis, a transportation network driver's use of a vehicle during a waiting period and that includes:(a) an acknowledgment that the transportation network driver is using the vehicle in connection with a transportation network company during a waiting period or that the transportation network driver is otherwise using the vehicle for a commercial purpose;(b) liability coverage in a minimum amount, per occurrence, of: (i) $50,000 to any one individual;(ii) $100,000 to all individuals; and(iii) $30,000 for property damage;(c) personal injury protection to the extent required under Sections 31A-22-306 through 31A-22-309;(d) uninsured motorist coverage where required by Section 31A-22-305; and(e) underinsured motorist coverage where required by Section 31A-22-305.3.(3) A transportation network company and a transportation network driver may satisfy the requirements of Subsections (1) and (2) by: (a) the transportation network driver purchasing coverage that complies with Subsections (1) and (2);(b) the transportation network company purchasing, on the transportation network driver's behalf, coverage that complies with Subsections (1) and (2); or(c) a combination of Subsections (3)(a) and (b).(4) An insurer may offer to a transportation network driver a personal automobile liability insurance policy, or an amendment or endorsement to a personal automobile liability policy, that:(a) covers a private passenger motor vehicle while used to provide transportation network services; and(b) satisfies the coverage requirements described in Subsection (1) or (2).(5) Nothing in this section requires a personal automobile insurance policy to provide coverage while a driver is providing transportation network services.(6) If a transportation network company does not purchase a policy that complies with Subsections (1) and (2) on behalf of a transportation network driver, the transportation network company shall verify that the driver has purchased a policy that complies with Subsections (1) and (2).(7) An insurance policy that a transportation network company or a transportation network driver maintains under Subsection (1) or (2): (a) satisfies the security requirements of Section 41-12a-301; and(b) may be placed with: (i) an insurer that is certified under Section 31A-4-103; or(ii) a surplus lines insurer eligible under Section 31A-15-103.(8) An insurer that provides coverage for a transportation network driver explicitly for the transportation network driver's transportation network services under Subsection (1) or (2) shall have the duty to defend a liability claim arising from an occurrence while the transportation network driver is providing transportation network services.(9) If insurance a transportation network driver maintains under Subsection (1) or (2) lapses or ceases to exist, a transportation network company shall provide coverage complying with Subsection (1) or (2) beginning with the first dollar of a claim.(10)(a) An insurance policy that a transportation network company or transportation network driver maintains under Subsection (1) or (2) may not provide that coverage is dependent on a transportation network driver's personal automobile insurance policy first denying a claim.(b) Subsection (10)(a) does not apply to coverage a transportation network company provides under Subsection (9) in the event a transportation network driver's coverage under Subsection (1) or (2) lapses or ceases to exist.(11) A personal automobile insurer: (a) notwithstanding Section 31A-22-302, may offer a personal automobile liability policy that excludes coverage for a loss that arises from the use of the insured vehicle to provide transportation network services; and(b) does not have the duty to defend or indemnify a loss if an exclusion described in Subsection (11)(a) excludes coverage according to the policy's terms.Amended by Chapter 359, 2016 General Session ,§ 2, eff. 5/10/2016.Amended by Chapter 138, 2016 General Session ,§ 1, eff. 5/10/2016.Added by Chapter 244, 2015 General Session ,§ 26, § 57, eff. 5/12/2015.