Insurance, Motor Vehicles - As introduced, prohibits an insurance company from requiring a visually impaired owner of a motor vehicle to obtain a commercial motor vehicle liability policy in lieu of a standard owner's policy of liability insurance if the covered motor vehicle is not used for commercial purposes. - Amends TCA Title 55, Chapter 12.

HB 28 prevents insurance companies from forcing visually impaired vehicle owners to buy commercial liability insurance if their car isn't used for business. It directly affects visually impaired drivers (defined as blind or partially blind) who currently face this requirement for personal vehicles. The law adds a new provision to Tennessee insurance law, clarifying that "commercial purposes" does not include hiring a driver for personal use of the vehicle. The bill takes effect July 1, 2025, applying to new or renewed insurance policies after that date.