{"data":{"id":"us-al/ala.-code-32-7c-2","jurisdiction":"us-al","citation":"Ala. Code § 32-7C-2","heading":"Insurance Requirements.","body":"(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:\n(1) While the TNC driver is logged onto the digital network of a TNC.\n(2) While the TNC driver is engaged in a prearranged ride.\n(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:\na. 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.\nb. All other state mandated coverage for motor vehicles, including the requirements under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title.\n(2) The coverage requirements of this subsection may be satisfied by any of the following:\na. Automobile insurance maintained by the TNC driver.\nb. Automobile insurance maintained by the TNC.\nc. Any combination of a. and b.\n(c)(1) The following automobile insurance requirements shall apply while a TNC driver is engaged in a prearranged ride:\na. Primary automobile liability insurance that provides at least one million dollars ($1,000,000) for death, bodily injury, and property damage.\nb. All other state mandated coverage for motor vehicles, including the requirements under the Motor Vehicle Safety-Responsibility Act, Chapter 7 of this title.\n(2) The coverage requirements of this subsection may be satisfied by any of the following:\na. Automobile insurance maintained by the TNC driver.\nb. Automobile insurance maintained by the TNC.\nc. Any combination of a. and b.\n(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.\n(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.\n(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.\n(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.\n(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.\n(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.\n(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.\n(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.\n(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.\n(j) No contract between a TNC and a TNC driver or TNC rider shall diminish the automobile insurance requirements under this chapter.","path":["Title 32 Motor Vehicles and Traffic.","Chapter 7C Transportation Network Company and Drivers; Insurance Requirements.","Article 1 Insurance Requirements."],"source_url":"https://alison.legislature.state.al.us/code-of-alabama?section=32-7C-2","current_through":"Act 2026-611","vintage":"","retrieved_at":"2026-09-03T14:01:53Z","sha256":"379527352c4eadcf6ab8066037f0825f9d1e16eaa6b43d0ae833a6690430846e","source_id":"us-al","stale":false,"prev":"us-al/ala.-code-32-7c-1","next":"us-al/ala.-code-32-7c-3"},"notice":"GroundRules: Original legal text. Not legal advice."}