The Multistate Insurance Diversity Survey is the latest strong-arm tactic that asks insurers to report on information with little regulatory value.

States are providing protection from lawsuits to insurers that audit themselves and correct any compliance errors voluntarily.

Any bill that is enacted should recognize that ride-sharing services start when a driver logs on to the smartphone app and ends only when the ride has been completed and the driver has logged off the system.

2015 will be an active year for Congress and state lawmakers, as they take on bills regarding transportation networks, tort reform, asbestos, financial regulation, e-commerce and natural disaster issues.

State legislatures and municipalities have taken notice of, and, in some cases, taken action on the ridesharing trend, including addressing insurance implications.

Colorado, Illinois and California are taking the lead on insurance and TNCs.

Colorado, Illinois and California are taking the lead on insurance and TNCs.

Once again, the National Assn. of Insurance Commissioners (NAIC) demonstrated that it can do what it pleases, regardless of industry protests. This instance involves the System for Electronic Rate and Form Filing (SERFF), used by insurers and state insurance departments for filing policy forms and rates.