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HB 1194

Insurance; clarify periods of time for transportation network company services

2025-2026 Regular Session Introduced by Chuck Efstration and 3 co-sponsors

Georgia bill clarifies insurance coverage periods for rideshare drivers across different service phases to close coverage gaps and establish liability standards.

House Second Readers
#insurance #motorvehiclesandtraffic
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Bill Summary · HB 1194

Legislative bill overview

HB 1194 clarifies the time periods during which transportation network company (TNC) services—such as rideshare platforms like Uber and Lyft—are considered active for insurance purposes. The bill defines specific periods when TNCs are providing services and establishes how insurance coverage applies during different phases of operation, from when a driver logs into the platform to when a trip concludes.

Why is this important

Insurance coverage gaps for rideshare drivers have created legal and financial problems when accidents occur during ambiguous periods—such as when a driver is logged in but has no active passenger, or during the transition between trips. Clarifying these time periods protects both drivers (ensuring they have coverage when needed) and passengers (ensuring compensation mechanisms exist), while also providing certainty to insurance companies about their obligations.

Potential points of contention

  • Driver vs. company liability allocation: Whether TNCs or individual driver insurance should bear primary responsibility during different service phases could affect insurance costs and driver profitability
  • Insurance affordability: Expanded coverage requirements during "available for hire" periods may increase premiums for rideshare drivers, potentially impacting gig worker income
  • Consistency with other states: Georgia's definitions may conflict with how other states regulate TNCs, creating complications for multi-state rideshare operations

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

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