<?xml version='1.0' encoding='utf-8'?>
<section article="gpu" article_name="Public Utilities" number="10-405" title_number="10" title_name="For-Hire Driving Services" subtitle_number="4" subtitle_name="Transportation Network Company Services">
  <level label="a">
    <level label="1">
      <text>An operator, a transportation network company on behalf of the operator, or a combination of both shall maintain primary motor vehicle insurance, or other security under § 17–103(a)(3) of the Transportation Article, that:</text>
      <level label="i">
        <text>recognizes that the operator is a transportation network operator or otherwise uses a motor vehicle to transport passengers for hire; and</text>
      </level>
      <level label="ii">
        <text>covers the operator while the operator is providing transportation network services.</text>
      </level>
    </level>
    <level label="2">
      <level label="i">
        <text>The following motor vehicle insurance requirements shall apply while an operator is providing transportation network services:</text>
        <level label="1">
          <text>security of at least:</text>
        </level>
        <level label="A">
          <text>for the payment of claims for bodily injury or death arising from an accident, up to $50,000 for any one person and up to $100,000 for any two or more persons, in addition to interest and costs; and</text>
        </level>
        <level label="B">
          <text>for the payment of claims for property of others damaged or destroyed in an accident, up to $25,000, in addition to interest and costs;</text>
        </level>
        <level label="2">
          <text>uninsured motorist insurance coverage required under § 19–509 of the Insurance Article; and</text>
        </level>
        <level label="3">
          <text>personal injury protection coverage required under § 19–505 of the Insurance Article.</text>
        </level>
      </level>
      <level label="ii">
        <text>The coverage requirements under this paragraph may be satisfied by motor vehicle insurance maintained by:</text>
        <level label="1">
          <text>an operator;</text>
        </level>
        <level label="2">
          <text>a transportation network company; or</text>
        </level>
        <level label="3">
          <text>both an operator and a transportation network company.</text>
        </level>
      </level>
    </level>
  </level>
  <level label="b">
    <text>If insurance or other security is provided by both the transportation network company and the operator under subsection (a) of this section, the insurance maintained by the transportation network operator is primary.</text>
  </level>
  <level label="c">
    <text>The insurance or other security maintained by a transportation network company shall provide the coverage required under subsection (a) of this section from the first dollar of a claim and provide for the duty to defend the claim in the event the insurance maintained by an operator under subsection (a) of this section has coverage that has been canceled or has lapsed or is otherwise not in force.</text>
  </level>
  <level label="d">
    <level label="1">
      <text>A transportation network company that procures insurance from an admitted insurer or a nonadmitted insurer shall:</text>
      <level label="i">
        <text>verify that the coverage required under subsection (a) of this section is maintained at all times; and</text>
      </level>
      <level label="ii">
        <text>provide to the Commission and the Insurance Commissioner, annually upon each renewal:</text>
        <level label="1">
          <text>a valid certificate of insurance coverage that meets the requirements of subsection (a) of this section and that:</text>
        </level>
        <level label="A">
          <text>is prepared by the insurer;</text>
        </level>
        <level label="B">
          <text>is signed by an officer of the insurer;</text>
        </level>
        <level label="C">
          <text>is in a form acceptable to the Commission;</text>
        </level>
        <level label="D">
          <text>states the name and home office address of the insurer providing coverage to the transportation network company;</text>
        </level>
        <level label="E">
          <text>states the effective dates of the coverage;</text>
        </level>
        <level label="F">
          <text>states a general description of the coverage; and</text>
        </level>
        <level label="G">
          <text>includes a certification of a policy provision that will notify the Commission and the Insurance Commissioner of any termination of coverage at least 60 days in advance of the effective date of the termination; and</text>
        </level>
        <level label="2">
          <text>the underlying policy for the coverage required under subsection (a) of this section.</text>
        </level>
      </level>
    </level>
    <level label="2">
      <level label="i">
        <text>The Commission may consult with the Insurance Commissioner concerning the provisions of the underlying policy provided to the Commission and the Insurance Commissioner under paragraph (1)(ii)2 of this subsection.</text>
      </level>
      <level label="ii">
        <level label="1">
          <text>Records provided to the Commission by a transportation network company under this section are not subject to release under the Maryland Public Information Act or any other law.</text>
        </level>
        <level label="2">
          <text>The Commission and the Insurance Commissioner may not disclose records or information provided to the Commission and the Insurance Commissioner under this section to any person unless the disclosure is required by subpoena or court order.</text>
        </level>
        <level label="3">
          <text>If a subpoena or court order requires the Commission or the Insurance Commissioner to disclose information provided to the Commission or the Insurance Commissioner under this section, the Commission or the Insurance Commissioner, as appropriate, promptly shall notify the transportation network company before disclosing the information.</text>
        </level>
      </level>
    </level>
    <level label="3">
      <text>A transportation network company that maintains security under § 17–103 of the Transportation Article shall provide the Commission with evidence of the required security.</text>
    </level>
  </level>
  <level label="e">
    <text>Subject to § 17–103(a) of the Transportation Article, insurance required under subsection (a) of this section shall be issued by:</text>
    <level label="1">
      <text>an insurer authorized to do business in the State; or</text>
    </level>
    <level label="2">
      <text>solely with respect to insurance maintained by a transportation network company, an eligible surplus lines insurer:</text>
      <level label="i">
        <text>in accordance with the requirements of Title 3, Subtitle 3 of the Insurance Article; and</text>
      </level>
      <level label="ii">
        <text>having an A.M. Best financial strength rating of A– or better.</text>
      </level>
    </level>
  </level>
  <level label="f">
    <text>Before an operator may accept a request for a ride made through the transportation network company’s digital network, the transportation network company shall disclose to the operator, in writing, the following:</text>
    <level label="1">
      <text>the insurance coverage, including the types of coverage and the limits for each coverage, that the transportation network company provides while the operator is providing transportation network services;</text>
    </level>
    <level label="2">
      <text>that the operator should contact the operator’s personal motor vehicle insurer or agent to:</text>
      <level label="i">
        <text>advise the insurer or agent that the operator will be providing transportation network services; and</text>
      </level>
      <level label="ii">
        <text>determine the coverage, if any, that may be available from the operator’s personal motor vehicle policy; and</text>
      </level>
    </level>
    <level label="3">
      <text>that, if the motor vehicle that the operator uses to provide transportation network services has a lien against it, using the motor vehicle for transportation network services without physical damage coverage may violate the terms of the contract with the lienholder.</text>
    </level>
  </level>
  <level label="g">
    <level label="1">
      <text>If an accident occurs that involves a motor vehicle that is being used to provide transportation network services, the operator, on request of directly interested parties, including a motor vehicle insurer or an investigative law enforcement officer, shall:</text>
      <level label="i">
        <text>provide proof of insurance satisfying the requirements of this section; and</text>
      </level>
      <level label="ii">
        <text>disclose whether the accident occurred while the operator was providing transportation network services.</text>
      </level>
    </level>
    <level label="2">
      <text>In a claim coverage investigation following a vehicular accident, a transportation network company and any insurer potentially providing coverage under this section shall cooperate to facilitate the exchange of information with directly involved parties and any insurer of an operator, if applicable, including:</text>
      <level label="i">
        <text>the precise times that an operator was logged onto the transportation network company’s digital network:</text>
        <level label="1">
          <text>in the 12–hour period immediately preceding the accident; and</text>
        </level>
        <level label="2">
          <text>in the 12–hour period immediately following the accident; and</text>
        </level>
      </level>
      <level label="ii">
        <text>a clear description of the coverage, exclusions, and limits provided under any motor vehicle insurance maintained under this section.</text>
      </level>
    </level>
  </level>
</section>
