Relating to automobile liability insurance requirements for transportation network company drivers.

HB 3520 sets new insurance requirements for ride-hailing drivers (like Uber or Lyft drivers) in Texas. It requires their auto insurance policies to provide minimum coverage of $50,000 per person for bodily injury, $100,000 per incident, and $25,000 for property damage when they are logged into the app but not carrying passengers. When drivers are actively transporting passengers, policies must cover up to $1 million total for bodily injury, death, or property damage per incident. These changes apply only to insurance policies delivered, issued, or renewed on or after January 1, 2026.