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SB 100

AUTOMOBILE INSURANCE: Provides for proof of insurance of transportation network companies involved in an accident. (8/1/26)

2026 Regular Session Introduced by Sam Jenkins

Louisiana SB 100 requires TNC drivers to carry proof of insurance at all times and automatically disclose insurance details and whether they were online or on a prearranged ride af

Effective date 8/1/2026.
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WeVote Research Nonpartisan
Bill Summary · SB 100

Summary: Louisiana SB 100 (2026 Session)

Title

AUTOMOBILE INSURANCE: Provides for proof of insurance of transportation network companies involved in an accident. (Effective 8/1/2026)

What the bill would do

  • Requires transportation network company (TNC) drivers (e.g., rideshare drivers) to provide proof of insurance coverage at all times when using a vehicle in connection with the TNC’s digital platform.
  • Deletes the current practice of requiring insurance information to be provided only upon request by directly interested parties, insurers, or investigating officers. Under SB 100, drivers must disclose certain information without a request.
  • Expands the disclosure to include whether the driver was logged into the TNC’s digital network or on a prearranged ride at the time of an accident.
  • Establishes penalties for failure to provide the required information.

Key provisions and changes

  • Section amended: R.S. 45:201.9 (Proof of insurance)
    • Duty to carry: A TNC driver must carry written or digital proof of insurance satisfying R.S. 45:201.6 at all times during use of a vehicle in connection with the TNC’s digital network.
    • Duty to provide information after an accident:
    • Previously: Insurance coverage information could be provided to directly interested parties, insurers, and investigating police officers upon request.
    • SB 100: Requires that such insurance coverage information be provided to those parties automatically, upon an accident, without needing a request.
    • New disclosure: The driver must disclose to directly interested parties, insurers, and investigating officers, without a request, whether the driver was logged into the TNC’s digital network or on a prearranged ride at the time of the accident.
    • Penalties: If the driver fails to comply with these provisions, the driver would be subject to penalties under the relevant statutory framework (specifically tied to R.S. 32:863.1).

Who is affected

  • Primary: Transportation network company drivers operating under Louisiana law.
  • Indirectly affected:
    • Insurance providers (car insurers) who insure TNC drivers.
    • Law enforcement and investigating officers collecting accident-related information.
    • Directly interested parties in accident cases (e.g., other parties involved in an accident, attorneys).

Procedural and timeline aspects

  • Effective date: August 1, 2026.
  • Legislative history highlights:
    • The bill was amended in the Senate to restore and strengthen the disclosure requirement, ensuring automatic disclosure of insurance information and the driver’s status on the TNC network in the event of an accident.
    • The original and amended texts all center on amending R.S. 45:201.9.

Practical implications

  • For drivers: Must always carry proof of insurance (digital or physical) meeting statutory requirements and be prepared to disclose network login status and whether they were on a prearranged ride at the time of an accident without a request.
  • For insurers and investigators: Will have ready access to insurance details and driver activity status at the time of an accident, potentially simplifying liability determinations and claims processes.
  • For enforcement: The change introduces explicit penalties for noncompliance, enhancing compliance incentives.

Bottom line

SB 100 tightens and standardizes the verification of auto insurance for TNC drivers in Louisiana by mandating automatic provision of insurance information and the driver’s network-usage status after accidents, with penalties for noncompliance. Effective August 1, 2026.

Compiled from official sources — confirm details with the bill’s official record.

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