Utah § 48a-302 - Motor vehicle liability insurance.
Full text of Utah Utah Code § 48a-302 — Motor vehicle liability insurance., with citation guidance and answers to common questions.
§ 48a-302. Motor vehicle liability insurance.
Effective 7/1/2023 13-48a-302.
Motor vehicle liability insurance.
(1)
A car-sharing program shall ensure that, during each car-sharing period, the shared vehicle owner and the shared vehicle driver are insured under a motor vehicle liability insurance policy that provides coverage in amounts no less than the minimum amounts set forth in Section 31A-22-304, and:
(a)
recognizes that the shared vehicle insured under the policy is made available and used through a car-sharing program; or
(b)
does not exclude use of a shared vehicle by a shared vehicle driver.
(2)
The insurance described in Subsection (1) may be satisfied by motor vehicle liability insurance maintained by:
(a)
a shared vehicle owner;
(b)
a shared vehicle driver;
(c)
a car-sharing program; or
(d)
a shared vehicle owner, a shared vehicle driver, and a car-sharing program.
(3)
The insurance described in Subsection (1) that is satisfying the insurance requirement of Subsection (1) shall be primary during each car-sharing period and in the event that a claim occurs in another state with minimum financial responsibility limits higher than those in Section 31A-22-304, during the car-sharing period, the coverage maintained under Subsection (2) shall satisfy the difference in minimum coverage amounts, up to the applicable policy limits.
(4)
The insurer, insurers, or car-sharing program providing coverage under Subsection (1) or (2) shall assume primary liability for a claim when:
(a)
a dispute exists as to who was in control of the shared motor vehicle at the time of the loss and the car-sharing program does not have available, did not retain, or fails to provide the information required by Section 13-48a-203; or
(b)
a dispute exists as to whether the shared vehicle was returned to the alternatively agreed upon location as required under Section 13-48a-101.
(5)
If insurance maintained by a shared vehicle owner or shared vehicle driver in accordance with Subsection (2) has lapsed or does not provide the required coverage, insurance maintained by the car-sharing program shall provide the coverage required by Subsection (1) beginning with the first dollar of a claim and have the duty to defend the claim except under circumstances set forth in Subsection 13-48a-301(2).
(6)
Coverage under an automobile insurance policy maintained by the car-sharing program is not dependent on another automobile insurer first denying a claim, nor shall another automobile insurance policy be required to first deny a claim.
Section 48a-302 ("Motor vehicle liability insurance.") is part of the Utah Code, the codified statutory law of Utah. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Utah § 48a-302?
A common citation format is "Utah Code § 48a-302" (Utah). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Utah law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Utah official source linked on this page or consult a licensed Utah attorney.
How does Utah § 48a-302 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Utah can advise on how this section applies to you. Contact your state or local bar association for a referral.
