Insurance; required insurance coverage; mandatory minimum coverage; effective date.

HB 4357 requires transportation network company (TNC) drivers in Oklahoma, like Uber or Lyft drivers, to maintain specific auto insurance coverage based on their activity. While logged on and available for rides, drivers must carry at least $50,000/$100,000 liability coverage; during active rides, coverage must increase to $1 million for death, injury, and property damage. TNC companies must provide coverage if drivers' insurance lapses, and drivers must carry electronic proof of coverage at all times. This bill directly affects TNC drivers and their companies, effective November 1, 2027.