Insurance, Motor Vehicles - As introduced, enacts the "Community Faith Transportation and Service Protection Act," which establishes secondary vehicle liability insurance provided by the state to a faith-based organization for vehicles used by the faith-based organization for community service use. - Amends TCA Title 9, Chapter 8; Title 55 and Title 56.

HB 2345, the "Community Faith Transportation and Service Protection Act," creates state-provided secondary insurance coverage for faith-based organizations (like churches or mosques) using vehicles for specific community services. It covers bodily injury up to $1 million and property damage up to $250,000 when vehicles are used for healthcare access, food security, disability assistance, elder care, or social services - provided the driver has a valid license and the activity isn’t for profit. The law prohibits insurers from denying coverage, excluding charitable use, or raising premiums solely because a vehicle serves these community purposes. Faith-based organizations and their partner nonprofits (501(c)(3) groups) are shielded from liability for accidents unless caused by gross negligence or reckless conduct.