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<leg xml:space="preserve" billnum="SB0199" sponsor="Stephanie Pitcher" designation="SB" otherSponsor="" otherHouse="House" sess="2026GS" fileno="2026FL1062" date="1/26/2026 11:01:40" printDate="01-26 11:51" subVer="0" minVer="0" office="LEGISLATIVE GENERAL COUNSEL" actionDate="" impact="code"><info><nextbuid>3</nextbuid><aminfo anum="0" effdate="05/06/2026"><seclist><sect action="A" src="code" buid="1" uid="C31A-22-S304_2026050620260506" fromuid="C31A-22-S304_2023050320230503" sort="31A22 03040020260506" mtype="section" effdate="05/06/2026">31A-22-304</sect><sect src="uncod" untype="effdate" buid="2" uid="EF0000" sort="UZEFF" mtype="uncod" effdate="05/06/2026"/></seclist></aminfo></info><tbox><sinfo><nextpairid>0</nextpairid></sinfo><st numlevel="1" lineno="1" slineno="0-1">Motor Vehicle Liability Policy Amendments</st><sessionhead>2026 GENERAL SESSION</sessionhead><statehead>STATE OF UTAH</statehead><sponsorhead>Chief Sponsor: Stephanie Pitcher</sponsorhead><otherSponsorhead>House Sponsor: </otherSponsorhead></tbox><lt numlevel="1" lineno="2" slineno="0-2"><lthead lineno="3">LONG TITLE</lthead><gdhead lineno="4">General Description:</gdhead><gd numlevel="1" lineno="5" slineno="0-5">This bill includes heirs in injury or death liability coverage for a motor vehicle accident.</gd><hphead lineno="6">Highlighted Provisions:</hphead><hp numlevel="1" lineno="7" slineno="0-7">This bill:<hl numlevel="1" lineno="8" slineno="0-8" level="1">changes insurer's minimum liability to include amounts for heirs along with the injured <ln numlevel="1" lineno="9" slineno="0-9"/>individual for motor vehicle accidents; and</hl><hl numlevel="1" lineno="10" slineno="0-10" level="1">makes technical changes.</hl></hp><moni numlevel="1" lineno="11" slineno="0-11" display="none">Money Appropriated in this Bill:</moni><moniNone lineno="12">None</moniNone><oc numlevel="1" lineno="13" slineno="0-13">Other Special Clauses:</oc><ocNone lineno="14">None</ocNone><sa numlevel="1" lineno="15" slineno="0-15">Utah Code Sections Affected:<saamd numlevel="1" lineno="16" slineno="0-16"><snhead>AMENDS:</snhead><sn num="31A-22-304" src="code" uid="C31A-22-S304_2026050620260506" buid="1" sort="31A22 03040020260506" numlevel="1" lineno="17" slineno="0-17"><bold>31A-22-304</bold>, as last amended by Laws of Utah 2023, Chapter 51</sn></saamd></sa></lt><enacthead lineno="18"/><enact numlevel="1" lineno="19" slineno="0-19">Be it enacted by the Legislature of the state of Utah:</enact><bdy><bsec buid="1" num="31A-22-304" type="amend" src="code" uid="C31A-22-S304_2026050620260506" sort="31A22 03040020260506" numlevel="1" lineno="20" slineno="1-1" sn="1"><section number="31A-22-304" numlevel="1" lineno="21" slineno="1-2" type="amend"><secline lineno="20">Section 1. Section <bold>31A-22-304</bold> is amended to read:</secline><catline lineno="21"><bold>31A-22-304<parens/>. Motor vehicle liability policy minimum limits.</bold></catline><subsection ssid="1-null-1" dnum="1-o" numlevel="1" lineno="22" slineno="1-3" level="1" placement="noreturn"><display>(1)</display>A policy issued or renewed on or before December 31, 2024, containing motor vehicle <ln numlevel="1" lineno="23" slineno="1-4"/>liability coverage may not limit the insurer's liability under that coverage below the <ln numlevel="1" lineno="24" slineno="1-5"/>following:<subsection ssid="1-null-2" dnum="a-o" numlevel="1" lineno="25" slineno="1-6" level="2" space="false"><display>(a)</display><subsection ssid="1-null-3" dnum="i-o" level="3" placement="sameline"><display>(i)</display>$25,000 because of liability for bodily injury to or death of one <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="116" groupid="110" style="2" owner="jchristopherson" level="1" deltag="both">person</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="113" groupid="107" style="1" owner="jchristopherson" level="1" amendtag="both" space="true"><ln numlevel="1" lineno="26" slineno="1-7"/>individual</amend>, arising out of the use of a motor vehicle in any one accident;</subsection><subsection ssid="1-null-4" dnum="ii-o" numlevel="1" lineno="27" slineno="1-8" level="3"><display>(ii)</display>subject to the limit for one <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="117" groupid="111" style="2" owner="jchristopherson" level="1" deltag="both">person</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="114" groupid="108" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individual</amend> in Subsection <xref depth="4" refnumber="31A-22-304(1)(a)(i)" start="0">(1)(a)(i)</xref>, in the <ln numlevel="1" lineno="28" slineno="1-9"/>amount of $65,000 because of liability for bodily injury to or death of two or more <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="118" groupid="112" style="2" owner="jchristopherson" level="1" deltag="both"><ln numlevel="1" lineno="29" slineno="1-10"/>persons</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="115" groupid="109" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individuals</amend> arising out of the use of a motor vehicle in any one accident; <ln numlevel="1" lineno="30" slineno="1-11"/>and</subsection><subsection ssid="1-null-5" dnum="iii-o" numlevel="1" lineno="31" slineno="1-12" level="3"><display>(iii)</display>in the amount of $15,000 because of liability for injury to, or destruction of, <ln numlevel="1" lineno="32" slineno="1-13"/>property of others arising out of the use of a motor vehicle in any one accident; or</subsection></subsection><subsection ssid="1-null-6" dnum="b-o" numlevel="1" lineno="33" slineno="1-14" level="2"><display>(b)</display>$80,000 in any one accident whether arising from bodily injury to or the death of <ln numlevel="1" lineno="34" slineno="1-15"/>others, or from destruction of, or damage to, the property of others.</subsection></subsection><subsection ssid="1-null-7" dnum="2-o" numlevel="1" lineno="35" slineno="1-16" level="1"><display>(2)</display>Subject to Subsection <xref depth="4" refnumber="31A-22-304(3)" start="0">(3)</xref>, a policy issued or renewed on or after January 1, 2025, <ln numlevel="1" lineno="36" slineno="1-17"/>containing motor vehicle liability coverage may not limit the insurer's liability under that <ln numlevel="1" lineno="37" slineno="1-18"/>coverage below the following:<subsection ssid="1-null-8" dnum="a-o" numlevel="1" lineno="38" slineno="1-19" level="2" space="false"><display>(a)</display><subsection ssid="1-null-9" dnum="i-o" level="3" placement="sameline"><display>(i)</display>$30,000 because of liability for bodily injury to <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="106" groupid="102" style="2" owner="jchristopherson" level="1" deltag="both">or death of one person, </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="104" groupid="100" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">one <ln numlevel="1" lineno="39" slineno="1-20"/>individual or to each heir as described in Section <xref depth="3" refnumber="78B-3-105">78B-3-105</xref> for the death of one <ln numlevel="1" lineno="40" slineno="1-21"/>individual, </amend>arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="91" groupid="87" style="2" owner="jchristopherson" level="1" deltag="both">any one </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="75" groupid="71" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an </amend>accident;</subsection><subsection ssid="1-null-10" dnum="ii-o" numlevel="1" lineno="41" slineno="1-22" level="3"><display>(ii)</display>subject to the limit for one <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="45" groupid="44" style="2" owner="jchristopherson" level="1" deltag="both">person </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="22" groupid="22" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individual </amend>in Subsection <xref depth="4" refnumber="31A-22-304(2)(a)(i)" start="0">(2)(a)(i)</xref>, in the <ln numlevel="1" lineno="42" slineno="1-23"/>amount of $65,000 because of liability for bodily injury to or death of two or more <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="46" groupid="45" style="2" owner="jchristopherson" level="1" deltag="both"><ln numlevel="1" lineno="43" slineno="1-24"/>persons </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="23" groupid="23" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individuals </amend>arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="93" groupid="89" style="2" owner="jchristopherson" level="1" deltag="both">any one </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="76" groupid="72" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an </amend><ln numlevel="1" lineno="44" slineno="1-25"/>accident; and</subsection><subsection ssid="1-null-11" dnum="iii-o" numlevel="1" lineno="45" slineno="1-26" level="3"><display>(iii)</display>in the amount of $25,000 because of liability for injury to, or destruction of, <ln numlevel="1" lineno="46" slineno="1-27"/>property of others arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="95" groupid="91" style="2" owner="jchristopherson" level="1" deltag="both">any one </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="77" groupid="73" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an </amend><ln numlevel="1" lineno="47" slineno="1-28"/>accident; or</subsection></subsection><subsection ssid="1-null-12" dnum="b-o" numlevel="1" lineno="48" slineno="1-29" level="2"><display>(b)</display>$90,000 in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="97" groupid="93" style="2" owner="jchristopherson" level="1" deltag="both">any one</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="78" groupid="74" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an</amend> accident whether arising from bodily injury to or the death of <ln numlevel="1" lineno="49" slineno="1-30"/>others, or from destruction of, or damage to, the property of others.</subsection></subsection><subsection ssid="1-null-13" dnum="3-o" numlevel="1" lineno="50" slineno="1-31" level="1"><display>(3)</display>Notwithstanding Subsection <xref depth="4" refnumber="31A-22-304(2)" start="0">(2)</xref>, for a policy for a self-insured, private rental fleet, the <ln numlevel="1" lineno="51" slineno="1-32"/>policy containing motor vehicle liability coverage may not limit the insurer's liability <ln numlevel="1" lineno="52" slineno="1-33"/>under that coverage below the following:<subsection ssid="1-null-14" dnum="a-o" numlevel="1" lineno="53" slineno="1-34" level="2" space="false"><display>(a)</display><subsection ssid="1-null-15" dnum="i-o" level="3" placement="sameline"><display>(i)</display>$25,000 because of liability for bodily injury to <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="107" groupid="103" style="2" owner="jchristopherson" level="1" deltag="both">or death of one person</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="24" groupid="24" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">one <ln numlevel="1" lineno="54" slineno="1-35"/>individual or to each heir as described in Section <xref depth="3" refnumber="78B-3-105">78B-3-105</xref> for the death of one <ln numlevel="1" lineno="55" slineno="1-36"/>individual</amend>, arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="99" groupid="95" style="2" owner="jchristopherson" level="1" deltag="both">any one</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="79" groupid="75" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an</amend> accident;</subsection><subsection ssid="1-null-16" dnum="ii-o" numlevel="1" lineno="56" slineno="1-37" level="3"><display>(ii)</display>subject to the limit for one <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="51" groupid="49" style="2" owner="jchristopherson" level="1" deltag="both">person </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="25" groupid="25" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individual </amend>in Subsection <xref depth="4" refnumber="31A-22-304(3)(a)(i)" start="0">(3)(a)(i)</xref>, in the <ln numlevel="1" lineno="57" slineno="1-38"/>amount of $65,000 because of liability for bodily injury to or death of two or more <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="57" groupid="54" style="2" owner="jchristopherson" level="1" deltag="both"><ln numlevel="1" lineno="58" slineno="1-39"/>persons </amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="26" groupid="26" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">individuals </amend>arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="100" groupid="96" style="2" owner="jchristopherson" level="1" deltag="both">any one</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="80" groupid="76" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an</amend> <ln numlevel="1" lineno="59" slineno="1-40"/>accident; and</subsection><subsection ssid="1-null-17" dnum="iii-o" numlevel="1" lineno="60" slineno="1-41" level="3"><display>(iii)</display>in the amount of $15,000 because of liability for injury to, or destruction of, <ln numlevel="1" lineno="61" slineno="1-42"/>property of others arising out of the use of a motor vehicle in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="101" groupid="97" style="2" owner="jchristopherson" level="1" deltag="both">any one</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="81" groupid="77" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an</amend> <ln numlevel="1" lineno="62" slineno="1-43"/>accident; or</subsection></subsection><subsection ssid="1-null-18" dnum="b-o" numlevel="1" lineno="63" slineno="1-44" level="2"><display>(b)</display>$80,000 in <amendoutstart style="2"/><amend anum="0" ea="erase" pairid="102" groupid="98" style="2" owner="jchristopherson" level="1" deltag="both">any one</amend><amendoutend style="2"/><amend anum="0" ea="amend" pairid="82" groupid="78" style="1" owner="jchristopherson" level="1" amendtag="both" space="true">an</amend> accident whether arising from bodily injury to or the death of <ln numlevel="1" lineno="64" slineno="1-45"/>others, or from destruction of, or damage to, the property of others.</subsection></subsection></section></bsec><bsec buid="2" type="uncod" untype="effdate" src="uncod" uid="EF0000" sort="UZEFF" langlock="true" numlevel="1" lineno="65" slineno="2-1" sn="2"><section type="uncod" untype="effdate" display="false" src="uncod"><secline lineno="65">Section 2.  <bold>Effective Date.</bold></secline><sectionText lineno="66"><amend anum="0" ea="amend" pairid="1" groupid="1" style="1" owner="jchristopherson" level="1" amendtag="both">This bill takes effect on <effdate uid="code" date="5/6/2026">May 6, 2026</effdate>.</amend></sectionText></section></bsec></bdy><foot><rev><tm>1-26-26 11:51 AM</tm></rev></foot></leg>