Auto insurance laws by state

SB 109: Peer-to-Peer Car Sharing Program act; requirements for the operation of peer-to-peer car sharing programs, provided

Peer-to-peer car sharing programs must assume liability for bodily injury or property damage to third parties during car sharing periods in amounts no less than proof of financial responsibility under Chapter 7 of Title 32. Programs must maintain motor vehicle liability insurance, collect and retain records of vehicle use, verify safety recalls, and disclose specified terms to owners and drivers.

Took effect 1 October 2026

HB 249: An Act relating to the transfer of a vehicle to an insurance company.

When an owner of a registered vehicle transfers title or interest to an insurance company after payment of damages, the supporting documents need not be notarized and may be signed electronically and printed. The insurance company must indemnify and hold harmless the department for any claims resulting from issuing a title under this section.

SB 276: To amend the law concerning surplus lines insurance; and to clarify that surplus lines insurance is acceptable coverage for financial responsibility of motor vehicle insurance coverage.

Insurance carriers must be authorized or eligible to do business in Arkansas to issue motor vehicle liability policies for proof of financial responsibility. Nonresident carriers must execute a power of attorney authorizing the Secretary of the Department of Finance and Administration to accept service of process and agree in writing that policies conform to Arkansas law.

AB 2361: Insurance: personal vehicle sharing.

A personal vehicle sharing program must assume liability of the vehicle owner for bodily injury or property damage to injured third parties in amounts not less than $250,000 for bodily injury or death for one person, $500,000 for bodily injury or death for all persons, and $100,000 for property damage. The program must provide proof of compliance, maintain electronic records, and defend and indemnify the vehicle owner if named as defendant.

Takes effect 1 January 2027

SB 988: California Motor Vehicle Glass Act.

Motor vehicle glass repair shops must notify customers before service whether the vehicle has an advanced driver assistance system and whether calibration is needed. Repair shops must not contract for insurance-paid repairs until a claim is made and a claim number received. Repair shops must not offer rebates or incentives for claims, submit false documentation, misrepresent coverage, or perform unnecessary work.

Takes effect 1 January 2027

AB 815: Vehicle insurance: vehicle classification.

Insurers issuing automobile liability insurance policies must not classify a motor vehicle as a common carrier, commercial vehicle, for-hire vehicle, permissive use vehicle, or livery solely because the named insured is operating or using the vehicle to provide public social services or social service transportation.

SB 371: Transportation network companies: insurance coverage.

Transportation network companies shall provide uninsured motorist coverage and underinsured motorist coverage in the amount of sixty thousand dollars per person and three hundred thousand dollars per incident, solely as the transportation network company's obligation, from the moment a passenger enters until the passenger exits the vehicle.

HB 25-1179: Auto Insurance Coverage Child Restraint System

An insurer that issues or renews an automobile insurance policy must include in applicable coverage the replacement cost of a child restraint system in a motor vehicle at the time of a motor vehicle accident. Upon claim submission, the insurer must ask if a child restraint system was present and pay or reimburse the claimant for replacement costs.

SB 87: An act establishing a nonprofit provider advisory board and prohibiting auto insurance penalties on volunteer drivers providing transportation to nonprofit organizations.

Insurers must not refuse to renew automobile liability insurance policies, assign surcharges, or increase rates solely because the named insured or operator is a volunteer driver providing transportation without compensation to nonprofit corporations or charitable organizations. Insurers, health care entities, and contracting health organizations must not retroactively deny or recoup health insurance claims after twelve months from receipt of a clean claim, with limited exceptions.

Takes effect 1 January 2027

HB 6435: An act concerning the insurance department's automobile physical and property damage arbitration process.

Insurance companies licensed to write private passenger automobile insurance must participate in the Division of Consumer Affairs' arbitration procedure for disputes over automobile physical and property damage claims where liability and coverage are not disputed. Insurance companies must pay claimants the undisputed claim amount upon department notification that a complaint has been referred to arbitration.

Took effect 1 October 2025

HB 406: An act to amend title 18 of the delaware code relating to unfair trade practices in automobile insurance.

SB 189: Act to amend title 18 of the delaware code relating to unfair practices in the insurance business.

An individual seeking to rescind a release of a claim must return a notice of rescission and settlement proceeds to the releasee, releasee's legal representative, or insurance carrier confirmed by certified mail, certificate of mailing, ACH tracking number, or other recognized method of funds tracking. A release must be signed within 30 days of the motor vehicle accident to be subject to this Act.

B 26-0057: Motor Vehicle Insurance Modernization Act of 2025

Insurers selling motor vehicle insurance in the District must include enhanced underinsured motorist coverage in private passenger vehicle liability policies unless the first named insured makes an affirmative written waiver. Insurers must increase mandatory minimum coverage amounts for property damage liability and third-party liability on January 1, 2037 and every 10 years thereafter by specified increments.

HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact

Admitted insurers must provide homeowners 60 days to cure conditions identified in adverse underwriting decisions based on aerial or satellite images, establish appeal processes, and offer renewal or rescission upon proof of correction. Insurers must include copies of images and correction standards in adverse decision notices.

Takes effect 1 January 2027

SB 121: Uninsured Motorist Coverage; minimum required under motor vehicle liability policies for a individual convicted of driving under the influence or reckless driving; increase

An individual convicted of driving under the influence must maintain motor vehicle liability insurance with minimum coverage of $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage for three years. A second or subsequent conviction requires $100,000 per person, $300,000 per accident, and $100,000 property damage. Such individuals must carry proof of coverage while operating a motor vehicle.

HB 1260: Various insurance matters.

Insurers must mail notice of nonrenewal to insureds at least 60 days before policy expiration for automobile and residential policies. Insurers must respond within 30 days to insured requests for explanations of material changes to personal automobile or homeowner's policies. Insureds have 30 days to request such explanations.

Took effect 1 July 2026

HB 1390: Bureau of motor vehicles.

The bureau of motor vehicles must issue electronic certificates of registration and may issue temporary registration permits at its discretion. Insurance companies must apply for salvage titles within forty-five days and may submit signed or unsigned certificates of title. The bureau must maintain a secure online insurance verification system by January 1, 2028.

Took effect 1 July 2025

SF 573: A bill for an act relating to motor vehicle glass repair, replacement, and insurance, making penalties applicable, and including applicability provisions.

Motor vehicle glass repair shops must verify insured persons have made first-party claims before contracting for repairs, notify insured persons about advanced driver assistance systems and required calibration, provide good faith estimates and itemized invoices, and avoid prohibited acts including offering rebates for claims, charging unreasonable fees, submitting false documentation, and misrepresenting coverage or damage locations.

Took effect 1 July 2025

SB 42: Providing for the establishment of a web-based online insurance verification system for the verification of evidence of motor vehicle liability insurance, eliminating the requirement that the commissioner of insurance submit certain reports to the governor and requiring certain reports be available on the insurance department's website, removing certain entities from the definition of person for the purpose of enforcing insurance law, requiring that third party administrators maintain separate fiduciary accounts for individual payors and prohibiting the commingling of funds held on behalf of multiple payors, requiring the disclosure to the commissioner of insurance of any bankruptcy petition filed by or on behalf of such administrator pursuant to the United State bankruptcy code, requiring title agents to make their reports available for inspection upon request of the commissioner of insurance instead of submitting such reports annually, standardizing the amount of surety bonds filed with the commissioner of insurance at $100,000 and eliminating the small business exemption in certain counties.

Each property and casualty insurance company licensed to issue motor vehicle liability insurance in Kansas must provide verification of liability insurance for every motor vehicle insured in Kansas through the commissioner's web-based insurance verification system. The commissioner must establish this system by July 1, 2026, following a nine-month testing period.

HB 627: AN ACT relating to insurance.

Reparation obligors must pay basic reparation benefits up to ten thousand dollars per person per accident for economic loss from motor vehicle injuries. Medical expense payments must not exceed maximum fees established under KRS 342.035. Persons providing medical services must not collect charges exceeding permitted maximums or impair credit for unpaid balances.

SB 158: AN ACT relating to products that offer benefits in connection with personal property.

Retail sellers of vehicles must insure debt waivers under a contractual liability or other insurance policy issued by an insurer complying with specified requirements. Creditors and providers of vehicle financial protection products must comply with disclosure, cancellation, refund, and financial security requirements. Extension of credit or loan terms cannot be conditioned on purchasing these products.

Takes effect 1 January 2027

HB 390: AN ACT relating to motor vehicle insurance.

Insurers providing motor vehicle coverage must electronically submit vehicle identification numbers and policyholder names to the Department of Vehicle Regulation's accessible online insurance verification system beginning January 1, 2027. County clerks must verify insurance status through this system before processing vehicle registrations and titles. The Department of Vehicle Regulation must establish and operate this system by October 1, 2026.

HB 999: MTR VEHICLE/COMPULS INS: Permits the impoundment of out-of-state vehicles not covered by compulsory liability insurance

Operators of motor vehicles registered outside Louisiana must display proof of compulsory liability insurance when requested by law enforcement. If unable to show compliance, the motor vehicle shall be impounded and the operator issued a notice of noncompliance. These requirements apply to all motor vehicles operated in Louisiana, including out-of-state registered vehicles.

SB 100: AUTOMOBILE INSURANCE: Provides for proof of insurance of transportation network companies involved in an accident. (8/1/26)

SB 489: MOTOR VEHICLES: To authorize third party vendors to conduct a license plate inquiry on motor vehicles to verify insurance liability coverage. (8/1/26) (EN NO IMPACT See Note)

HB 929: INSURANCE: Creates the Louisiana Motor Vehicle Glass Law

HB 413: INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filing

Insurers shall not include a rating factor in an automobile insurance rate filings based solely on loss experience arising from a catastrophe or natural disaster that only affected other lines of insurance. This prohibition does not apply to multi-line policies.

Takes effect 1 January 2027

HB 437: INSURANCE CLAIMS: Provides settlement practices for claims relative to property and rentals of motor vehicles

Insurers must limit reasonable expenses in property and rental motor vehicle claims to rental expenses or loss of use expenses only when rental coverage was not approved, except during coverage investigations under a Reservation of Rights. Insurers must provide a proof of loss form consistent with the model form specified in the act, though different font, format, or trade dress is permitted.

HB 496: INSURANCE/AUTOMOBILE: Provides relative to lapses in required insurance coverage

HB 258: INSURANCE/AUTOMOBILE: Provides relative to automobile liability insurance premiums of policyholders sixty-five years of age or older

HB 549: INSURANCE/AUTOMOBILE: Provides a premium discount for commercial motor vehicles with dashboard cameras and telematics systems

Took effect 1 January 2026

LD 1276: An Act To Align Intrastate Commercial Motor Vehicle Insurance Requirements With Federal Standards

Insurers must provide a combined single limit of $750,000 for intrastate commercial motor vehicle liability insurance policies. This requirement applies to all policies executed, delivered, issued for delivery, continued or renewed in Maine on or after January 1, 2026.

LD 899: An Act To Strengthen The Requirements For Medical Payments Coverage

Casualty insurers must make medical payments coverage assignable only by written agreement between the insured and the insurer on a form prescribed or approved by the superintendent. Benefits under medical payments coverage must be applied as directed by the insured.

HB 1387: Maryland Automobile Insurance Fund - Fund Producer Commission Rate

The Maryland Automobile Insurance Fund must pay commissions to fund producers for private passenger auto insurance at a rate not to exceed 15% of total premium, and for other insurance not to exceed 10% of total premium. The Fund must not pay commissions on policies written directly by the Fund without fund producer involvement.

Took effect 1 October 2026

HB 816: Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association Assessments

The Executive Director of the Maryland Automobile Insurance Fund must establish an affordability program limiting maximum premium rates for private passenger auto insurance to individuals with household income not exceeding 250% of the federal poverty level, subject to Commissioner approval and conditions that overall inadequacy not exceed 20% of net written premium and assessment allocation percentage not exceed 1%.

SB 469: Maryland Automobile Insurance Fund - Affordability Program and Industry Automobile Insurance Association Assessments

The Executive Director of the Maryland Automobile Insurance Fund must establish an affordability program limiting maximum premium rates for private passenger auto insurance to individuals with household income not exceeding 250% of the federal poverty level, subject to Commissioner approval and conditions that overall inadequacy not exceed 20% of net written premium and assessment allocation percentage not exceed 1%.

SB 637: Maryland Automobile Insurance Fund - Fund Producer Commission Rate

The Maryland Automobile Insurance Fund must pay fund producers a commission for private passenger auto insurance at a rate determined by the Fund but not exceeding 15% of total premium. The Fund must not pay commissions on policies written directly by the Fund without fund producer involvement.

Took effect 1 October 2026

SB 865: Workgroup on the Affordability of Private Passenger Automobile Insurance – Extension and Alteration of Membership and Duties

The Maryland Insurance Administration shall establish a workgroup to study private passenger automobile insurance affordability and develop data-driven, concrete legislative recommendations regarding territorial rating and other rating factors by January 1, 2027, through a process involving recorded voting.

Took effect 1 June 2026

HB 1186: Peer-to-Peer Car Sharing Programs - Insurance and Liability

Peer-to-peer car sharing programs must ensure shared vehicle owners and drivers are insured under motor vehicle liability policies with coverage amounts not less than those required under § 17–103 of the Transportation Article during each car sharing period. Programs must assume liability of shared vehicle owners for bodily injury or property damage to third parties during car sharing periods in amounts stated in the program agreement, not less than § 17–103 minimums, except when shared vehicle owners made intentional or fraudulent material misrepresentations.

Took effect 1 October 2026

SB 395: Peer-to-Peer Car Sharing Programs - Insurance and Liability

Peer-to-peer car sharing programs must ensure shared vehicle owners and drivers are insured under motor vehicle liability policies with coverage amounts not less than those required under § 17–103 of the Transportation Article during each car sharing period. Programs may charge shared vehicle drivers for tolls, fees, charges, or fines imposed while the vehicle was under the driver's control during the car sharing period.

Took effect 1 October 2026

HB 1098: Insurance - Automobile Insurance - Maryland Automobile Insurance Fund and Affordability Study

The Maryland Automobile Insurance Fund must calculate and report its risk-based capital level according to insurance law and maintain total adjusted capital at or above its company action level RBC beginning December 31, 2026. The Fund must prepare and submit an RBC plan if required. Prior approval rate making provisions apply to the Fund between July 1, 2025 and December 31, 2025, and thereafter if the Fund's total adjusted capital falls below required amounts.

Took effect 1 July 2025

SB 1013: Insurance: no-fault; price optimization use in determining insurance rates; prohibit. Adds sec. 2027a of 1956 PA 218 (MCL 500.2027a).

Insurers must not establish rates for automobile or home insurance through price optimization or allow rates to be impacted by price optimization. Insurers must not establish underwriting rules through price optimization. Price optimization includes charging the highest price the market will bear, considering likelihood of policy turnover, estimating willingness to pay, or using price elasticity measures.

SB 916: Modifies provisions relating to sovereign immunity

Public entities must waive sovereign immunity for negligent acts or omissions by public employees arising from motor vehicle operation and for injuries from dangerous property conditions when negligence created the condition or the entity had notice. Agents of the Missouri Department of Transportation replace private contractors' liability for design, condition, or maintenance claims under specified circumstances.

A 11366: Extends the effectiveness of certain provisions providing for increased supplementary uninsured/underinsured motorist (SUM) insurance coverage

Extends the expiration date of provisions providing increased supplementary uninsured/underinsured motorist insurance coverage from June 30, 2026 to June 30, 2029.

Takes effect 23 December 2026

A 10008: Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2026-2027 state fiscal year

Owners of motor vehicles in New York City who receive sixteen notices of liability for speeding violations in school speed zones within twelve months must install and maintain an intelligent speed assistance device for twelve to thirty-six months depending on repeat violations. Owners must provide proof of installation within thirty days and bear installation and maintenance costs unless financially unable.

Took effect 1 July 2026

S 8786: Relates to the kinds of insurance with respect to which a rental vehicle company or peer-to-peer car sharing program administrator may act as an agent for an authorized insurer

Expands the types of insurance that rental vehicle companies and peer-to-peer car sharing program administrators may act as agents for, to include accident and health insurance covering renters, occupants, and shared vehicle owners/drivers for accidental death, dismemberment, and medical expenses, plus any other coverage the superintendent approves.

S 5941: Requires peer-to-peer car sharing programs provide certain insurance coverage

A peer-to-peer car sharing program administrator must maintain insurance during each peer-to-peer car sharing period that provides financial responsibility coverage three times the owners' policy of liability requirements, satisfies insurance law requirements, and provides supplementary uninsured/underinsured motorist insurance of at least one million two hundred fifty thousand dollars per occurrence. The administrator must either provide or offer shared vehicle owners and drivers the opportunity to purchase additional liability insurance.

Took effect 17 June 2026

S 5331: Establishes an online insurance verification system for motor vehicle insurance

Insurers that write private passenger or commercial motor vehicle insurance in New York must provide the commissioner access to information about motor vehicle liability insurance policies that have been cancelled, terminated, non-renewed, or issued, including policy lapses and vehicle identification details. The commissioner must establish an online verification system accurate within seven days to enable law enforcement to verify insurance coverage.

Takes effect 31 December 2028

S 3008: Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal year

Enacts major components of legislation implementing New York's 2025-2026 state transportation, economic development, and environmental conservation budget across multiple parts, including MTA funding commitments, vehicle regulations, cannabis licensing fees, and other policy changes.

Took effect 1 September 2025

SB 1920: Motor vehicle insurance; increasing certain percent damage required for title return. Effective date.

Insurance companies, junk dealers, and persons dismantling vehicles must return certificates of title and license plates to Service Oklahoma or a licensed operator within thirty days. Holders of certificates of title must return titles to Service Oklahoma within thirty days when repair costs exceed seventy percent of fair market value. Service Oklahoma must issue salvage titles for damaged vehicles meeting this threshold.

Took effect 1 November 2026

HB 2215: Motor vehicles; removing provisions authorizing certain seizure of license plates; emergency.

An owner or operator who fails to comply with the Compulsory Insurance Law is guilty of a misdemeanor subject to a fine of not more than $250.00, imprisonment for not more than thirty days, or both, plus suspension of driving privilege. Law enforcement may seize the license plate if the vehicle is in drivable condition.

HB 7866: An act relating to insurance -- unfair claims settlement practices act

Insurers must not designate motor vehicles as total losses unless the cost to rebuild exceeds eighty-five percent of fair market value. Insurers must comply with specified claims practices including timely responses, reasonable investigations, proper appraisals by licensed unaffiliated appraisers for damages exceeding $2,500, and honoring direction-to-pay letters from insureds.

HB 7066: An act relating to insurance -- casualty insurance generally -- limitations on policy cancellations and renewals

Insurers must furnish written notice at least thirty days prior to renewal of any coverage reductions, elimination, or increased deductibles not requested by the insured for automobile liability and property damage insurance and homeowners or residential fire insurance. For homeowners and residential fire insurance, insurers must provide nonrenewal notice at least sixty days prior to renewal as of July 1, 2027. Notices must be captioned and itemized.

HB 7520: An act relating to insurance -- liability insurance -- uninsured motorist coverage

Insurers must provide uninsured motorist coverage and underinsured motorist bodily injury coverage in amounts equal to the insured's bodily injury liability limits, with minimums set by § 31-47-2(13)(i)(A). Insurers must offer underinsured motorist property damage coverage for private passenger automobiles. Named insureds may reject or reduce coverage in writing, subject to specified conditions and advisory notices.

Takes effect 1 April 2027

HB 6032: An act relating to insurance -- liability insurance

At-fault insurance companies must provide rental vehicle coverage under an insured's private passenger automobile insurance policy for rented motor vehicles under 10,000 pounds for up to 60 consecutive days. At-fault carriers must extend rental coverage for at least 7 additional days after a total loss payment. At-fault insurers must provide a reasonably comparable rental vehicle at their expense based on local retail prices.

HB 6053: An act relating to insurance -- unfair claims settlement practices act

Insurers must not commit unfair claims practices including misrepresenting policy provisions, failing to investigate or settle claims promptly, refusing to honor directions to pay to repair shops or rental companies of the consumer's choice, failing to use repair manuals in their entirety, and designating vehicles total loss only when rebuild costs exceed 75-80% of fair market value.

HB 6079: An act relating to insurance -- liability insurance -- rental vehicle coverage

Insurance companies must provide property damage liability coverage under private passenger automobile insurance policies for rented motor vehicles under 10,000 pounds for up to 60 consecutive days for named insureds and drivers on the policy. At-fault carriers must extend rental vehicle coverage for at least 7 additional days after total loss payment. Coverage must include collision, comprehensive losses, and loss of use.

HB 6054: An act relating to insurance -- motor vehicle appraisal

When an insurance company and insured or claimant dispute a motor vehicle loss amount, either party may initiate an independent appraisal process. The insurer's appraiser must inspect the damaged vehicle within four business days or forfeit the right to inspect before repairs. The insurer must not engage in intimidation, coercion, threat, or misrepresentation of consumer rights.

S 830: Automobile Insurance Issuance

Insurers and agents must not refuse to issue automobile insurance policies based on age, sex, location of residence in South Carolina, race, color, creed, national origin, ancestry, marital status, or income level. They must not refuse solely because of previous insurance refusal, prior purchase through the Associated Auto Insurers Plan, or lawful occupation. Insurers may limit issuance to members of particular nonprofit member organizations, particular professions or occupations, or particular religious sects.

H 3259: First responder automobile insurance premiums

Insurers and agents are prohibited from considering the work-related driving record of a first responder when determining premium rates for the first responder's personal automobile insurance policy if the first responder is found noncontributing on the collision report or involved in a collision while responding to an emergency call. First responders must furnish a copy of the police incident report, investigative report, or Uniform Traffic Collision report to the insurance agent or insurer in a timely manner.

SB 93: prohibit payment or rebate of insurance deductibles by contractors providing motor vehicle repair services.

Contractors providing motor vehicle repair, auto body repair, or collision repair services in South Dakota must not advertise, promise, offer, pay, or rebate all or part of an applicable insurance deductible. Any contract made in violation of this prohibition is null and void.

Took effect 1 July 2025

SB 1667: Motor Vehicles - As enacted, prohibits the initial issuance of registration of a motor vehicle if the vehicle has not met the requirements of the Financial Responsibility Law of 1977, which provides insurance and financial responsibility requirements for motor vehicle operators; makes related changes. - Amends TCA Title 29; Title 55 and Title 56.

The department of revenue or county clerk shall not process initial issuance or renewal of motor vehicle registration if the owner has not met financial responsibility requirements. Owners must provide documentation of insurance valid for at least thirty days. Insurers must report full book of business weekly instead of monthly.

HB 2175: Motor Vehicles - As enacted, requires a delivery network company or delivery network company driver to comply with certain automobile liability insurance requirements. - Amends TCA Title 4; Title 7; Title 55; Title 56 and Title 65.

Delivery network companies and DNC drivers must comply with automobile liability insurance requirements beginning July 1, 2026. When a driver is logged into the DNC's digital network or providing services, the driver or DNC must maintain at least one hundred thousand dollars in automobile liability insurance. DNCs must conduct background checks, maintain driver records, implement zero-tolerance drug and alcohol policies, and prohibit cash payments.

Took effect 1 July 2026

SB 213: Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies.

Authorized insurers writing property and casualty insurance in Texas must not make the issuance, delivery, or renewal of a residential property insurance policy contingent on purchasing a personal automobile insurance policy from the same or affiliated insurer, or vice versa. Violations constitute unfair methods of competition or unfair or deceptive acts or practices.

Took effect 1 September 2025

SB 458: Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies.

Insurers delivering, issuing for delivery, or renewing personal automobile or residential property insurance policies in Texas must include an appraisal provision complying with Chapter 1813. The appraisal provision must provide a dispute resolution process to determine the amount of loss when disputed between policyholder and insurer. The commissioner shall adopt implementing rules.

Took effect 1 September 2025

HB 119: Automotive Repair Business Amendments

An insurer may not specify the use of non-OEM aftermarket crash parts unless the insured receives written notice. For policies issued on or after October 1, 2026, insurers must provide written notice at issuance and renewal that they may authorize or specify aftermarket crash parts. When an insurer authorizes or specifies a non-OEM aftermarket crash part, the written estimate must clearly identify it and contain specified disclosures in at least 10-point font.

Took effect 6 May 2026

SB 74: Motor Vehicle Civil Action Amendments

Claimants demanding policy limits must provide sufficient information to evaluate claims and allow liability insurance carriers at least 30 days to respond. Liability insurance carriers must disclose within 30 days whether they will defend and indemnify insureds. Claimants corresponding with unrepresented insureds must provide written notice to the carrier and wait 45 days before filing suit.

Took effect 6 May 2026

HB 47: Vehicle Registration and Insurance Amendments

Every resident owner of a motor vehicle shall maintain owner's or operator's security in effect at any time the motor vehicle is operated on a highway or on a quasi-public road or parking area within the state. Nonresident owners and state entities must maintain such security continuously while their motor vehicles remain in Utah, with requirements varying by duration of presence.

SB 594: Motor vehicle insurance; unauthorized addition of insured drivers prohibited.

Insurance carriers authorized to issue motor vehicle insurance policies must not add any person to an insured policy or household based solely on external sources such as residential searches, address matching databases, public records, credit reports, or third-party data sources, or the carrier's belief that the person resides at the named insured's address. Exception applies if the carrier provides 45 calendar days' written or electronic notice and the named insured fails to provide evidence that the person does not reside in the household.

Took effect 1 July 2026

SB 693: Motor vehicle insurance; unfair discrimination based on individual's consumer credit info., report.

No person shall refuse to insure, refuse to continue to insure, or limit the amount or extent of motor vehicle insurance coverage, or charge an individual a different rate for the same motor vehicle insurance coverage, solely because of such individual's consumer credit information or credit-based insurance score. The State Corporation Commission's Bureau of Insurance shall study insurers' use of consumer credit information or credit-based insurance scores in motor vehicle insurance underwriting and submit findings and recommendations by October 1, 2026.

HB 107: Underinsured motorist benefits; actions against released defendant.

Underinsured motorist benefits insurers have no right of subrogation against a released defendant unless the underinsured motorist failed to reasonably cooperate in defense of any lawsuit, as defined by specific enumerated failures. Underinsured motorist benefits insurers must pay reasonable costs and expenses for procuring cooperation, including travel costs if the motorist resides more than 100 miles away.

Took effect 1 July 2026

SB 1159: Motor vehicle insurance; underinsured motorist coverage, revises language of required notice.

Insurers issuing new motor vehicle liability policies in Virginia must enclose revised notices in boldface type describing optional health care and disability benefits coverage, uninsured/underinsured motorist coverage rights and limits, and changes to underinsured motorist coverage calculation methods. The revised notices must be provided with policies delivered, issued, or renewed on or after January 1, 2026.

Took effect 1 July 2025

HB 2604: Transferring ownership of a vehicle to an insurer under certain circumstances.

The registered owner or legal owner must report vehicle destruction to the department within 15 days and submit the certificate of title marked "DESTROYED." Insurance companies or self-insurers must report total loss vehicles within 15 days after settlement claim. A limited power of attorney for transferring vehicle ownership to an insurer does not require notarization and may be signed electronically.

SB 5721: Enhancing consumer protections for automobile insurance coverage.

Every insurer issuing or renewing an automobile insurance policy with first-party physical damage coverage on or after January 1, 2026, must include an appraisal clause allowing either the insurer or insured to demand appraisal to resolve disputes over actual cash value and amount of loss. The clause must follow specified language or language certified as at least as favorable to the insured.

SB 556: Modifying priority of insurance coverage for drivers of certain vehicles provided by entities

Insurers must extend collision, comprehensive, property, and bodily injury coverage to insured individuals operating replacement motor vehicles provided by persons, firms, or corporations engaged in selling, repairing, leasing, or servicing motor vehicles. The insured individual's coverage is primary and the vehicle owner's coverage is secondary, except when the insured is an employee acting within the scope of employment.