Oklahoma § 47-1025 - Insurance requirements

§ 47-1025. Insurance requirements

A. On or before July 1, 2015, and thereafter, a transportation

network company driver or TNC on the TNC driver’s behalf shall

maintain primary automobile insurance that recognizes that the

driver is a TNC driver or otherwise uses a vehicle to transport

passengers for compensation and covers the driver:

1. While the driver is both logged on to and available to

receive transportation requests on the TNC’s digital network; or

2. While the driver is engaged in providing prearranged rides.

B. The following automobile insurance requirements shall apply

while a TNC driver is both logged on to the TNC’s digital network

and available to receive transportation requests but is not engaged

in prearranged rides:

1. Primary automobile liability insurance in the amount of at

least Fifty Thousand Dollars ($50,000.00) for death and bodily

injury per person, One Hundred Thousand Dollars ($100,000.00) for

death and bodily injury per incident, and Twenty-five Thousand

Dollars ($25,000.00) for property damage;

2. Uninsured motorist coverage where not waived pursuant to

Section 3636 of Title 36 of the Oklahoma Statutes; and

3. The coverage requirements of this subsection may be

satisfied by any of the following:

a.

automobile insurance maintained by the TNC driver,

b.

automobile insurance maintained by the TNC, or

c.

any combination of subparagraphs a and b of this

paragraph.

C. The following automobile insurance requirements shall apply

while a TNC driver is engaged in a prearranged ride:

1. Primary automobile liability insurance that provides at

least One Million Dollars ($1,000,000.00) for death, bodily injury,

and property damage;

2. Uninsured motorist coverage where not waived pursuant to

Section 3636 of Title 36 of the Oklahoma Statutes; and

3. The coverage requirements of this subsection may be

satisfied by any of the following:

a.

automobile insurance maintained by the TNC driver,

b.

automobile insurance maintained by the TNC, or

c.

any combination of subparagraphs a and b of this

paragraph.

D. If insurance maintained by a TNC driver in subsection B or C

of this section has lapsed or does not provide the required

coverage, insurance maintained by a TNC shall provide the coverage

Oklahoma Statutes - Title 47. Motor Vehicles

required by this section beginning with the first dollar of a claim

and have the duty to defend such claim.

E. Coverage under an automobile insurance policy maintained by

the TNC shall not be dependent on a personal automobile insurer

first denying a claim nor shall a personal automobile insurance

policy be required to first deny a claim.

F. Insurance required by this section may be placed with an

insurer authorized to do business in this state or with a surplus

lines insurer eligible under Section 1100 et seq. of Title 36 of the

Oklahoma Statutes.

G. Insurance satisfying the requirements of this section shall

be deemed to satisfy the financial responsibility requirement for a

motor vehicle under Chapter 7 of the Oklahoma Highway Safety Code of

Section 7-101 et seq. of this title, while the TNC driver is logged

into the network.

H. A TNC driver shall carry proof of coverage satisfying

subsections B and C of this section with him or her at all times

during his or her use of a vehicle in connection with a

transportation network company’s digital network. Proof of coverage

may be presented in electronic format. In the event of an accident,

a TNC driver shall provide this insurance coverage information to

the directly interested parties, automobile insurers and

investigating police officers, upon request pursuant to Section 7102 et seq. of this title. Upon such request, a TNC driver shall

also disclose to directly interested parties, automobile insurers,

and investigating police officers whether he or she was logged on to

the TNC’s digital network or on a prearranged ride at the time of an

accident.

Added by Laws 2015, c. 279, § 16, eff. July 1, 2015. Amended by

Laws 2017, c. 290, § 2, eff. Nov. 1, 2017.