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: 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; liability coverage for a minimum amount of $1,000,000 per occurrence; personal injury protection to the extent required under Sectionsthrough; 31A-22-306 31A-22-309 uninsured motorist coverage where required by Section; and 31A-22-305 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: 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; liability coverage in a minimum amount, per occurrence, of: $50,000 to any one individual; $100,000 to all individuals; and $30,000 for property damage; personal injury protection to the extent required under Sectionsthrough; 31A-22-306 31A-22-309 uninsured motorist coverage where required by Section; and 31A-22-305 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 Subsectionsandby: (1) (2) the transportation network driver purchasing coverage that complies with Subsectionsand; (1) (2) the transportation network company purchasing, on the transportation network driver's behalf, coverage that complies with Subsectionsand; or (1) (2) a combination of Subsectionsand. (3)(a) (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: covers a private passenger motor vehicle while used to provide transportation network services; and satisfies the coverage requirements described in Subsectionor. (1) (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 Subsectionsandon behalf of a transportation network driver, the transportation network company shall verify that the driver has purchased a policy that complies with Subsectionsand. (1) (2) (1) (2)
(7) An insurance policy that a transportation network company or a transportation network driver maintains under Subsectionor: (1) (2) satisfies the security requirements of Section; and 41-12a-301 may be placed with: an insurer that is certified under Section; or 31A-4-103 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 Subsectionorshall have the duty to defend a liability claim arising from an occurrence while the transportation network driver is providing transportation network services. (1) (2)
(9) If insurance a transportation network driver maintains under Subsectionorlapses or ceases to exist, a transportation network company shall provide coverage complying with Subsectionorbeginning with the first dollar of a claim. (1) (2) (1) (2)
(10) An insurance policy that a transportation network company or transportation network driver maintains under Subsectionormay not provide that coverage is dependent on a transportation network driver's personal automobile insurance policy first denying a claim. (1) (2) Subsectiondoes not apply to coverage a transportation network company provides under Subsectionin the event a transportation network driver's coverage under Subsectionorlapses or ceases to exist. (10)(a) (9) (1) (2)
(11) A personal automobile insurer: notwithstanding Section, 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 31A-22-302 does not have the duty to defend or indemnify a loss if an exclusion described in Subsectionexcludes coverage according to the policy's terms. (11)(a)