Title 31A, Title 31A: Insurance Code

31A-22-1806. Penalties. Notwithstanding Section, if a vendor or the vendor's employee or authorized representative violate this part, the commissioner may do any of the following in accordance with: (1) impose a fine not to exceed: $2,500 per violation by a licensed individual; o…

31A-22-1807. Requirements for sale of portable electronics insurance -- Policy provides primary coverage. (1) At each location where a vendor offers portable electronics insurance to a customer, the vendor shall make available to a prospective customer written materials that: dis…

31A-22-1808. Termination of or changes to portable electronics insurance. Notwithstanding any other provision of law: (1) An insurer may terminate or otherwise change the terms and conditions of a policy of portable electronics insurance only upon providing the policyholder and e…

31A-22-1809. Billing. (1) A vendor may bill and collect the premium for portable electronics insurance coverage. (2) Any charge to an enrolled customer for portable electronics insurance coverage that is not included in the cost associated with the purchase or lease of portable e…

31A-22-1810. Applicability. This part is not applicable to a loan or lease originated by a federally insured depository institution, or a subsidiary or affiliate of a federally insured depository institution, or originated by any other entity as part of a plan to sell or assign a…

31A-22-1901. Title. This part is known as the "Unclaimed Life Insurance and Annuity Benefits Act."

31A-22-1902. Definitions. As used in this part: (1) "Administrator" means the same as that term is defined in Section. 67-4a-102 (2) "Asymmetric conduct" means an insurer's use of the death master file or other similar database before July 1, 2015, in connection with searching fo…

31A-22-1903. Insurer conduct. (1) An insurer shall perform a comparison of its insureds' in-force policies, contracts, and retained asset accounts against a death master file, on at least a semi-annual basis, by using the full death master file once and thereafter using the death…

31A-22-2002. Definitions. As used in this part: (1) "Limited long-term care" means coverage: for less than 12 consecutive months for each covered person; on an expense-incurred, indemnity, prepaid or other basis; and for one or more necessary or medically necessary diagnostic, pr…

31A-22-2006. Rulemaking. In accordance with, the commissioner may make rules: (1) establishing minimum standards for limited long-term care insurance; (2) prescribing the content and a standard format, including style, arrangement, and overall appearance of an outline of coverage…

31A-22-201. Required provisions of liability insurance policies. Every liability insurance policy shall provide that the bankruptcy or insolvency of the insured may not diminish any liability of the insurer to third parties, and that if execution against the insured is returned u…

31A-22-202. Protection of third-party claimants. (1) An insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any person, or for damage to the property of any person, may not be retroactively abrogated to the detr…

31A-22-203. Notice and proof of loss. Sectionapplies to the notice required under liability policies. Subsectionmay not be construed to extend the normal provisions of any claims-made coverage that required notice of an occurrence or claim prior to the expiration of the policy fo…

31A-22-204. Restriction on limitation of coverage. No insurer may limit coverage under a policy insuring against legal liability to claims that are first made against the insured while the policy is in force, unless the policy contains on the cover page, a conspicuous statement t…

31A-22-205. Applicability of restatement of law. (1) A restatement of the law of liability insurance is not the law or public policy of this state if the statement of law is inconsistent or in conflict with: the Constitution of the United States; the Utah Constitution; a state st…

31A-22-301. Definitions. As used in this part: (1) "Motor vehicle" means the same as that term is defined in Section. 41-6a-102 For purposes of this chapter, "motor vehicle" includes a street-legal all-terrain vehicle. (2) "Motor vehicle business" means a motor vehicle sales agen…

31A-22-302. Required components of motor vehicle insurance policies -- Exceptions. (1) Every policy of insurance or combination of policies purchased to satisfy the owner's or operator's security requirement of Sectionshall include: 41-12a-301 motor vehicle liability coverage und…

31A-22-302.5. Named driver exclusions. (1) A policy of personal lines insurance or combination of personal lines policies purchased to satisfy the owner's or operator's security requirement under Sectionmay specifically exclude from coverage: 41-12a-301 a person who is a resident…

31A-22-303. Motor vehicle liability coverage. (1) In addition to complying with the requirements of, and, a policy of motor vehicle liability coverage under Subsectionshall: Chapter 21, Insurance Contracts in General Part 2, Liability Insurance in General 31A-22-302(1)(a) name th…

31A-22-304. Motor vehicle liability policy minimum limits. (1) A policy issued or renewed on or before December 31, 2024, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: $25,000 because of liability for bo…

31A-22-305. Uninsured motorist coverage. (1) As used in this section, "covered persons" includes: the named insured; for a claim arising on or after May 13, 2014, the named insured's dependent minor children; persons related to the named insured by blood, marriage, adoption, or g…

31A-22-305.3. Underinsured motorist coverage. (1) As used in this section: "Covered person" means the same as that term is defined in Section. 31A-22-305 "Underinsured motor vehicle" includes a motor vehicle, the operation, maintenance, or use of which is covered under a liabilit…

31A-22-305.5. Uninsured motorist property damage coverage -- Coverage limitations. (1) At the request of the named insured, every motor vehicle liability policy of insurance under Sectionsandor combination of policies purchased to satisfy the owner's or operator's security requir…

31A-22-306. Personal injury protection. Personal injury protection under Subsectionprovides the coverages and benefits described under Sectionto persons described under Section, but is subject to the limitations, exclusions, and conditions set forth in Section.

31A-22-307. Personal injury protection coverages and benefits. (1) Personal injury protection coverages and benefits include: up to the minimum amount required coverage of not less than $3,000 per person, the reasonable value of all expenses for necessary: medical services; surgi…

31A-22-308. Persons covered by personal injury protection. The following may receive benefits under personal injury protection coverage: (1) the named insured, when injured in an accident involving any motor vehicle, regardless of whether the accident occurs in this state, the Un…

31A-22-309. Limitations, exclusions, and conditions to personal injury protection. (1) A person who has or is required to have direct benefit coverage under a policy that includes personal injury protection may not maintain a cause of action for general damages arising out of per…

31A-22-310. Assigned risk plan. (1) After consultation with insurers authorized to issue policies containing the provisions specified under Section, the insurance commissioner shall approve a reasonable plan for the equitable apportionment among the insurers of applicants for tho…

31A-22-311. Definitions. As used in Sectionsand: (1) "Authorized driver" means the person to whom the vehicle is rented and includes: the spouse of the person renting the vehicle if the spouse is a licensed driver satisfying the rental company's minimum age requirement; the emplo…

31A-22-312. Liability for collision damage -- No security required -- No waiver -- Section inapplicable to rental companies disclosing charges. (1) No rental company may, in rental agreements of 30 continuous days or less, hold any authorized driver liable for any damage except w…

31A-22-314. Mandatory coverage. (1) As used in this section, "owner's or operator's security" has the same meaning as defined in Section. 41-12a-103 (2) A rental company shall maintain owner's or operator's security meeting the requirements of. Title 41, Chapter 12a, Financial Re…

31A-22-315. Motor vehicle insurance reporting -- Penalty. (1) As used in this section, "commercial motor vehicle insurance coverage" means an insurance policy that: includes motor vehicle liability coverage, uninsured motorist coverage, underinsured motorist coverage, or personal…

31A-22-315.5. Motor vehicle insurance verification -- Penalty. (1) Except as provided in Subsection, and in addition to the reporting requirements under Section, each insurer that issues a policy that includes motor vehicle liability coverage, uninsured motorist coverage, underin…

31A-22-316. Title. Sectionsthroughare known as the "Aftermarket Crash Parts Act."

31A-22-317. Definitions. As used in Sectionsthrough: (1) "Aftermarket crash part" means a replacement for any of the nonmechanical sheet metal or plastic parts that generally constitute the exterior of a motor vehicle, including inner and outer panels. (2) "Installer" means an in…

31A-22-318. Identification. (1) Any aftermarket crash part supplied by a nonoriginal equipment manufacturer for use in a motor vehicle in this state shall have the logo or name of the nonoriginal equipment manufacturer affixed or inscribed on the aftermarket crash part. (2) The n…

31A-22-319. Prohibition on insurer requiring certain parts -- Disclosure. (1) Unless an insurer gives an insured notice in writing an insurer may not specify the use of non-OEM aftermarket crash parts in the repair of an insured's motor vehicle. (2) For a policy issued on or afte…

31A-22-320. Use of credit information. (1) For purposes of this section: "Credit information" means: a consumer report; a credit score; any information obtained by the insurer from a consumer report; any part of a consumer report; or any part of a credit score. Except as provided…

31A-22-321. Use of arbitration in third party motor vehicle accident cases. (1) A person injured as a result of a motor vehicle accident may elect to submit all third party bodily injury claims to arbitration by filing a notice of the submission of the claim to binding arbitratio…

31A-22-322. Improper administration of cancelled auto insurance coverage. (1) Upon cancellation by an insured of auto insurance coverage, the insurer shall discontinue any automatic payments and withdrawals related to the cancelled policy before the later of: 15 days after the re…

31A-22-323. Policy-limit demands, correspondence, and disclosure requirements -- Third-party liability claims. (1) In a third-party liability claim arising under this part in which a claimant or claimant's legal counsel sends a demand letter to a liability insurance carrier deman…

31A-22-324. Insurer obligations -- Recovery operations -- Arbitration. (1) As used in this section: "Commercial vehicle" means the same as that term is defined in Section. 72-9-102 "Motor carrier" means the same as that term is defined in Section. 72-9-102 "Motor vehicle" means t…

31A-22-400. Scope of part. This, applies to all life insurance policies and contracts, including: (1) an annuity contract; (2) a credit life contract; (3) a franchise contract; (4) a group contract; and (5) a blanket contract.

31A-22-401. Prohibited life insurance policy provisions. No life insurance company may issue or deliver any life insurance policy subject to this chapter under Sectionwhich contains any provision: (1) forfeiting the policy for failure to repay any loan on the policy or to pay int…

31A-22-402. Grace period -- Notification. (1) Every life insurance policy other than a group policy shall contain a provision entitling the policyholder to a grace period within which the payment of any premium may be made after the first payment of any premium. During the grace …

31A-22-403. Incontestability. (1) This section does not apply to group policies. (2) Except as provided in Subsection, a life insurance policy is incontestable after the policy has been in force for a period of two years from the policy's date of issue: (3) during the lifetime of…