2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 93: TRANSPORTATION NETWORK COMPANY INSURANCE › 24-A §7303. Financial responsibility

§7303. Financial responsibility
1.  Insurance coverage required.
A transportation network company driver or a transportation network company on the driver's behalf shall maintain primary automobile liability insurance that recognizes that the driver is a transportation network company driver or otherwise uses a vehicle to transport riders for compensation and that covers the driver in accordance with this section.
[PL 2015, c. 279, §1 (NEW).]
2.  Minimum insurance requirements for driver while on digital network.
While a transportation network company driver is logged into the transportation network company digital network but is not engaged in a prearranged ride, primary automobile liability insurance must be maintained in the following amounts:
A. For death and bodily injury, $50,000 per person; for death and bodily injury per incident, $100,000; and for property damage, $25,000;   [PL 2015, c. 279, §1 (NEW).]
B. The minimum amounts of insurance coverage for medical payments under Title 29‑A, section 1605‑A; and   [PL 2015, c. 279, §1 (NEW).]
C. Uninsured vehicle and underinsured motor vehicle coverage required pursuant to section 2902.   [PL 2015, c. 279, §1 (NEW).]
The coverage requirements of this subsection may be satisfied by automobile insurance maintained by the transportation network company driver, automobile insurance maintained by the transportation network company or a combination of automobile insurance maintained by the transportation network company driver and the transportation network company.
[PL 2015, c. 279, §1 (NEW).]
3.  Minimum insurance requirements while engaged in prearranged ride.
While a transportation network company driver is engaged in a prearranged ride, primary automobile liability insurance must be maintained in the following amounts:
A. For death, bodily injury and property damage, $1,000,000;   [PL 2015, c. 279, §1 (NEW).]
B. The minimum amounts of insurance coverage for medical payments under Title 29‑A, section 1605‑A; and   [PL 2015, c. 279, §1 (NEW).]
C. Uninsured vehicle and underinsured motor vehicle coverage required pursuant to section 2902.   [PL 2015, c. 279, §1 (NEW).]
The coverage requirements of this subsection may be satisfied by automobile insurance maintained by the transportation network company driver, automobile insurance maintained by the transportation network company or a combination of automobile insurance maintained by the transportation network company driver and the transportation network company.
[PL 2015, c. 279, §1 (NEW).]
4.  Lapse of coverage; duty to defend.
When automobile insurance maintained by a transportation network company driver to fulfill the insurance obligations of this section has lapsed or does not provide the coverage required by this section, the transportation network company shall provide the coverage required by this section beginning with the first dollar of a claim, and the transportation network company's insurer has a duty to defend the claim.
[PL 2015, c. 279, §1 (NEW).]
5.  Coverage not dependent on denial of claim.
Coverage under an automobile insurance policy maintained by a transportation network company may not be dependent on the denial of the claim under a personal automobile insurance policy.
[PL 2015, c. 279, §1 (NEW).]
6.  Insurer.
Insurance required by this section may be placed with an insurer that is licensed under the provisions of this Title or is authorized as a surplus lines insurer pursuant to chapter 19.
[PL 2015, c. 279, §1 (NEW).]
7.  Satisfaction of financial responsibility requirements.
Insurance satisfying the requirements of this section is deemed to satisfy the financial responsibility requirement for a motor vehicle set forth in section 2902 and Title 29‑A, section 1605.
[PL 2015, c. 279, §1 (NEW).]
8.  Evidence of coverage for transportation network company insurance.
A transportation network company driver shall carry at all times evidence of coverage satisfying this section during the driver's use of a vehicle in connection with a transportation network company's digital network. A transportation network company driver shall provide evidence of insurance coverage to a law enforcement officer upon request and, in the event of an accident, a transportation network company driver shall provide insurance coverage information to the directly interested parties, automobile insurers and investigating police officers, upon request pursuant to Title 29‑A, section 1601. Upon request, a transportation network company driver shall also disclose to directly interested parties, automobile insurers and investigating police officers whether the driver was logged into the transportation network company's digital network or engaged in a prearranged ride at the time of an accident.
[PL 2015, c. 279, §1 (NEW).]
9.  Claims payments.
If a transportation network company's insurer makes a payment for a claim covered under comprehensive coverage or collision coverage, the transportation network company shall cause its insurer to issue the payment directly to the business repairing the vehicle or jointly to the owner of the vehicle and the primary lienholder on the covered vehicle.
[PL 2015, c. 279, §1 (NEW).]
SECTION HISTORY
PL 2015, c. 279, §1 (NEW).