American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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Nicole Mahrt Ganley


916-440-1116 or 916-616-5855




August 28, 2014

California Senate Approves AB 2293: Bill Balances Consumer Protection and Provides for Responsible Innovation

AB 2293 is well-balanced legislation that provides protection for the public and encourages new product innovation.

SACRAMENTO – Assemblywoman Susan Bonilla (D- AD 14) amended her measure, AB 2293, yesterday and transportation network companies (TNCs) like Uber, Lyft and others have removed their opposition and are now supporting the bill, says the Association of California Insurance Companies (ACIC).

AB 2293 is a well-balanced bill that provides protection for the public by establishing reasonable insurance limits and it creates a firewall that protects personal auto insurance from subsidizing commercial activities. Additionally, AB 2293 gives TNCs flexibility to meet the insurance requirements, which led to Uber and Lyft supporting the legislation.

“Assemblywoman Bonilla showed great leadership and vision navigating AB 2293 through the negotiation process,” said Armand Feliciano, ACIC vice president. “Through Assemblywoman Bonilla’s efforts, stakeholders were able to reach a middle ground that parties can support. Consumers can be confident when using TNCs, there will be greater transparency on insurance matters for TNC drivers, personal auto insurance policies will be protected from commercial activities, a pathway for new insurance products has developed with reasonable insurance limits, and flexibility to allow for continued innovation.”

AB 2293 will be heard on the Assembly floor today and if approved, it will go to Governor Brown’s desk.

“The measure protects consumers and encourages innovation in the insurance marketplace,” said Feliciano. “AB 2293 has a delayed implementation date of July 1, 2015, so insurers and the California Department of Insurance can develop and approve the necessary new products designed specifically to meet the needs of TNC drivers.”

AB 2293 amendments:

Establish a personal insurance firewall to ensure personal insurance auto policyholders will no longer cover the commercial activity of TNCs, beginning July 1, 2015.

Lower the primary insurance coverage requirement in the timeframe formerly known as, “App On to Match,” to: $50,000/$100,000/$30,000 with excess coverage of $200,000.

Ensure California Public Utilities Commission oversight of transportation network companies (TNC) such as Uber and Lyft.

Expedite the approval process for new TNC insurance products.

Have a delayed implementation date of July 1, 2015 in order for new products to be developed to meet the needs of the marketplace.


The Association of California Insurance Companies (ACIC) is part of the Property Casualty Insurers Association of America (PCI). ACIC is PCI’s California Voice representing 363 property casualty insurance companies doing business in California. These members write $20.2 billion in premium in California insuring 36 percent of the property casualty insurance sold in the state. California members write 44 percent of personal auto insurance, 29 percent of homeowners insurance, 33 percent of commercial lines business insurance and 40 percent of private workers compensation insurance sold in California.