HB 3520

relating to automobile liability insurance requirements for
transportation network company drivers.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1.  Section 1954.051(b), Insurance Code, is amended
(b)  Insurance maintained under this subchapter must allow a
transportation network company driver to use a personal vehicle to
transport transportation network company riders for compensation
(1)  the driver is logged on to the transportation
network company's digital network as provided by Section 1954.052;
(2)  the driver is engaged in a prearranged ride with a
transportation network company rider in the vehicle as provided by
SECTION 2.  Section 1954.052, Insurance Code, is amended to
Sec. 1954.052.  INSURANCE REQUIREMENTS: WITHOUT
TRANSPORTATION NETWORK COMPANY RIDER IN VEHICLE [BETWEEN
PREARRANGED RIDES].  At the time a transportation network company
driver is logged on to the transportation network company's digital
network and is available to receive transportation network requests
but is not engaged in a prearranged ride or is engaged in a
prearranged ride without a transportation network company rider in
the vehicle, the automobile insurance policy must provide:
(1)  the following minimum amounts of liability
(A)  $50,000 for bodily injury to or death for
(B)  $100,000 for bodily injury to or death of a
(C)  $25,000 for damage to or destruction of
property of others in an incident;
(2)  uninsured or underinsured motorist coverage where
required by Section 1952.101; and
(3)  personal injury protection coverage where
SECTION 3.  Section 1954.053, Insurance Code, is amended to
Sec. 1954.053.  INSURANCE REQUIREMENTS: WITH TRANSPORTATION
NETWORK COMPANY RIDER IN VEHICLE [DURING PREARRANGED RIDES].  At
the time a transportation network company driver is engaged in a
prearranged ride with a transportation network company rider in the
vehicle, the automobile insurance policy must provide, at a
(1)  coverage with a total aggregate limit of liability
of $1 million for death, bodily injury, and property damage for each
(2)  uninsured or underinsured motorist coverage where
required by Section 1952.101; and
(3)  personal injury protection coverage where
SECTION 4.  The changes in law made by this Act apply only to
an automobile insurance policy delivered, issued for delivery, or
renewed on or after January 1, 2026.  An automobile insurance policy
delivered, issued for delivery, or renewed before January 1, 2026,
is governed by the law as it existed immediately before the
effective date of this Act, and that law is continued in effect for
SECTION 5.  This Act takes effect September 1, 2025.