1     
MOTOR VEHICLE INSURANCE REVISIONS

2     
2023 GENERAL SESSION

3     
STATE OF UTAH

4     
Chief Sponsor: Marsha Judkins

5     
Senate Sponsor: Lincoln Fillmore

6     

7     LONG TITLE
8     General Description:
9          This bill increases minimum coverage limits on liability coverage for a motor vehicle
10     insurance policy.
11     Highlighted Provisions:
12          This bill:
13          ▸     increases minimum coverage limits for a motor vehicle insurance policy for liability
14     for bodily injury, death, or property damage caused by an accident, beginning at a
15     future date;
16          ▸     provides an exception to the increase in coverage limits for a self-insured, private
17     rental fleet; and
18          ▸     makes technical changes.
19     Money Appropriated in this Bill:
20          None
21     Other Special Clauses:
22          None
23     Utah Code Sections Affected:
24     AMENDS:
25          31A-22-304, as last amended by Laws of Utah 2008, Chapter 371
26     

27     Be it enacted by the Legislature of the state of Utah:
28          Section 1. Section 31A-22-304 is amended to read:
29          31A-22-304. Motor vehicle liability policy minimum limits.
30          (1) [Policies] A policy issued or renewed on or before December 31, 2024, containing
31     motor vehicle liability coverage may not limit the insurer's liability under that coverage below
32     the following:
33          [(1)] (a) (i) $25,000 because of liability for bodily injury to or death of one person,
34     arising out of the use of a motor vehicle in any one accident;
35          [(b)] (ii) subject to the limit for one person in Subsection (1)(a)(i), in the amount of
36     $65,000 because of liability for bodily injury to or death of two or more persons arising out of
37     the use of a motor vehicle in any one accident; and
38          [(c)] (iii) in the amount of $15,000 because of liability for injury to, or destruction of,
39     property of others arising out of the use of a motor vehicle in any one accident; or
40          [(2)] (b) $80,000 in any one accident whether arising from bodily injury to or the death
41     of others, or from destruction of, or damage to, the property of others.
42          (2) Subject to Subsection (3), a policy issued or renewed on or after January 1, 2025,
43     containing motor vehicle liability coverage may not limit the insurer's liability under that
44     coverage below the following:
45          (a) (i) $30,000 because of liability for bodily injury to or death of one person, arising
46     out of the use of a motor vehicle in any one accident;
47          (ii) subject to the limit for one person in Subsection (2)(a)(i), in the amount of $65,000
48     because of liability for bodily injury to or death of two or more persons arising out of the use of
49     a motor vehicle in any one accident; and
50          (iii) in the amount of $25,000 because of liability for injury to, or destruction of,
51     property of others arising out of the use of a motor vehicle in any one accident; or
52          (b) $90,000 in any one accident whether arising from bodily injury to or the death of
53     others, or from destruction of, or damage to, the property of others.
54          (3) Notwithstanding Subsection (2), for a policy for a self-insured, private rental fleet,
55     the policy containing motor vehicle liability coverage may not limit the insurer's liability under
56     that coverage below the following:
57          (a) (i) $25,000 because of liability for bodily injury to or death of one person, arising
58     out of the use of a motor vehicle in any one accident;
59          (ii) subject to the limit for one person in Subsection (3)(a)(i), in the amount of $65,000
60     because of liability for bodily injury to or death of two or more persons arising out of the use of
61     a motor vehicle in any one accident; and
62          (iii) in the amount of $15,000 because of liability for injury to, or destruction of,
63     property of others arising out of the use of a motor vehicle in any one accident; or
64          (b) $80,000 in any one accident whether arising from bodily injury to or the death of
65     others, or from destruction of, or damage to, the property of others.