Relating to automobile liability insurance requirements for transportation network company drivers.
Bill overview
Relating to automobile liability insurance requirements for transportation network company drivers.
Reference notes
HB 3520 sources, status methodology and verification
Sources
- HB 3520 official legislative recordPrimary bill-status record.
- Current official bill textOfficial bill text or printing.
Methodology
KeepTXRed treats the official legislative record and latest official action as the factual status layer for HB 3520. Status labels are normalized for browsing, while the legislative timeline and documents preserve official action text and source links. Any KeepTXRed explanation below is editorial context and remains separate from the official record.
Last verified
Legislative record synchronized September 4, 2026 at 12:25 PM UTC; latest recorded official action May 28, 2025.
Bill → law → agency context
This relationship layer distinguishes what the normalized official record can prove from what it cannot. Enactment and effective dates come from the bill record. Agency names below are shown only when an official fiscal document supplies a verified agency reference; being cited in a fiscal note does not by itself prove that the agency administers the resulting law.
Official fiscal-note agency context
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KeepTXRed explanation
This reviewed explanation is separate from the official bill record and is provided for general information, not legal advice.
KeepTXRed summary
HB 3520 was a House-passed proposal to revise automobile liability insurance requirements for transportation-network-company drivers. It did not become law.
What would change
The bill would have applied the lower 50/100/25 liability limits while a rideshare driver was logged in or traveling on a prearranged ride without a passenger in the vehicle, while retaining at least $1 million in aggregate liability coverage once a rideshare passenger was actually in the vehicle.
Who may be affected
Rideshare drivers, transportation network companies, passengers, personal and commercial auto insurers, and people involved in crashes with TNC vehicles.
When it would take effect
HB 3520 did not take effect. It passed the House, was reported favorably from Senate Business & Commerce and was placed on the Senate intent calendar, but did not receive final Senate passage. The proposed policy changes would have applied to policies issued or renewed on or after January 1, 2026.
Limits and uncertainty
Texas rideshare insurance requirements were not changed through HB 3520. Existing Insurance Code minimums and any separately enacted amendments remain controlling.
Editorial sources and review notes
Official Senate committee text, House analysis and legislative stages reviewed.
Editorial explanation reviewed 9/6/2026.
Current status
Passed
Placed on intent calendar
Latest official action
Placed on intent calendar
May 28, 2025 · house
Who this bill may affect
A verified audience or subject classification has not been attached to this bill yet.
Use the bill overview and official documents to determine whether the proposal may apply to you, your business, or a public agency.
Sponsors
sponsor
author
Committee history
- Insurance
Out of committee
- Business & Commerce
Out of committee
Legislative timeline
Placed on intent calendar
house · latest_action
Official recordCommittee report printed and distributed
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Official recordReported favorably w/o amendments
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Official recordVote taken in committee
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Official recordConsidered in public hearing
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Official recordLeft pending in committee
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Official recordTestimony taken in committee
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Official recordConsidered in public hearing
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Official recordScheduled for public hearing on . . .
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Official recordReferred to Business & Commerce
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Official recordRead first time
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Official recordReceived from the House
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Official recordReported engrossed
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Official recordStatement(s) of vote recorded in Journal
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Official recordRecord vote
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Official recordPassed
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Official recordRead 3rd time
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Official recordStatement(s) of vote recorded in Journal
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Official recordRecord vote
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Official recordPassed to engrossment
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Official recordPoint of order withdrawn
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Official recordAmendment fails of adoption
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Official recordRead 2nd time
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Official recordPlaced on General State Calendar
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Official recordConsidered in Calendars
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Official recordCommittee report sent to Calendars
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Official recordCommittee report distributed
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Official recordComte report filed with Committee Coordinator
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Official recordReported favorably w/o amendment(s)
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Official recordConsidered in public hearing
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Official recordLeft pending in committee
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Official recordTestimony taken/registration(s) recorded in committee
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Official recordConsidered in public hearing
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Official recordScheduled for public hearing on . . .
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Official recordReferred to Insurance
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Official recordRead first time
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Official recordFiled
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Official record
Official bill text
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