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.

This bill prevents insurance companies from requiring visually impaired drivers (defined as blind or partially blind) to purchase commercial liability insurance instead of standard personal auto insurance when their vehicle isn't used for business. It specifically ensures that hiring a driver for personal use (like getting a ride) doesn't count as "commercial purpose." The law applies to all new or renewed insurance policies starting July 1, 2025, for eligible drivers. It directly affects visually impaired vehicle owners in Tennessee who previously faced potential insurance requirement changes.