AL Code § 32-7C-2 (2021)
2021 Code of Alabama|Title 32 - Motor Vehicles and Traffic.|Chapter 7C - Transportation Network Company and Drivers; Insurance Requirements.|Article 1 - Insurance Requirements.|Section 32-7C-2 - Insurance Requirements.

Section 32-7C-2Insurance requirements.  (a) On or before October 30, 2016, and thereafter, a TNC driver or a TNC on the behalf of the TNC driver shall maintain primary automobile insurance that recognizes that the driver is a TNC driver or otherwise uses a vehicle to transport riders for compensation and covers the driver under both of the following circumstances: (1) While the TNC driver is logged onto the digital network of a TNC. (2) While the TNC driver is engaged in a prearranged ride. (b)(1) The following automobile insurance requirements shall apply while a participating TNC driver is logged on to the digital network of a TNC and is available to receive transportation requests but is not engaged in a prearranged ride: a. Primary automobile liability insurance in the amount of at least fifty thousand dollars ($50,000) for death and bodily injury per person, one hundred thousand dollars ($100,000) for death and bodily injury per incident, and twenty-five thousand dollars ($25,000) for property damage. b. All other state mandated coverage for motor vehicles, including the requirements under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title. (2) 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. c. Any combination of a. and b. (c)(1) The following automobile insurance requirements shall apply while a TNC driver is engaged in a prearranged ride: a. Primary automobile liability insurance that provides at least one million dollars ($1,000,000) for death, bodily injury, and property damage. b. All other state mandated coverage for motor vehicles, including the requirements under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title. (2) 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. c. Any combination of a. and b. (d) If insurance maintained by a TNC driver under subsection (b) or (c) has lapsed or does not provide the required coverage, insurance maintained by a TNC shall provide the coverage required by this chapter beginning with the first dollar of a claim and shall have the duty to defend the claim. (e) Coverage under an automobile insurance policy maintained by a TNC may not be made dependent on a personal automobile insurer first denying a claim and a personal automobile insurance policy may not be required to first deny a claim. (f) Insurance required by this chapter may be placed with an insurer licensed under state law or with a surplus lines insurer eligible under state law that has a credit rating of no less than A- from A.M. Best or A from Demotech or a similar rating from another rating agency recognized by the Department of Insurance. (g)(1) Insurance satisfying the requirements of this chapter shall satisfy the financial responsibility requirement for a motor vehicle under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title. (2) Nothing in this chapter shall relieve a TNC driver not logged onto the digital network of a TNC or not engaged in a prearranged ride from the financial responsibility requirements for a motor vehicle under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title. (h)(1) A TNC driver shall carry proof of coverage satisfying this chapter with him or her at all times during his or her use of a vehicle in connection with the use of a digital network of a TNC. (2) 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. (3) Upon 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 digital network of a TNC or on a prearranged ride at the time of an accident. (i) This chapter shall have no effect or limitation on the rights of a TNC rider to coverage that may be available for underinsured or uninsured motorist coverages pursuant to Section 32-7-23 as an additional recovery beyond any insurance coverage available to the TNC rider under this chapter. (j) No contract between a TNC and a TNC driver or TNC rider shall diminish the automobile insurance requirements under this chapter. (Act 2016-409, §2.)