As used in this part 6, unless the context otherwise
requires:
(1) Repealed.
(2) Complying policy means a policy of insurance that provides the
coverages and is subject to the terms and conditions required by this part 6, and is
certified by the insurer and the insurer has filed a certification with the
commissioner that such policy, contract, or endorsement conforms to Colorado law
and any rules promulgated by the commissioner.
(3) Converter means a person other than a named insured or resident
relative who operates or uses a motor vehicle in a manner that a reasonable person
would determine was unauthorized or beyond the scope of permission given by a
named insured or resident relative. In determining whether a person is a converter,
the following factors should be considered:
(a) The duration of the person's control over the motor vehicle;
(b) The circumstances surrounding the conduct of the person operating or
using the motor vehicle; and
(c) The person's good faith.
(4) Described motor vehicle means the motor vehicle described in the
complying policy.
(5) Insured means the named insured, relatives of the named insured who
reside in the same household as the named insured, and any person using the
described motor vehicle with the permission of the named insured.
(5.5) Licensed health-care provider means a person, corporation, facility, or
institution licensed or certified by this state to provide health care or professional
services as a hospital, health-care facility, or dispensary or to practice and
practicing medicine, osteopathy, chiropractic, nursing, physical therapy, podiatry,
dentistry, pharmacy, acupuncture, or optometry in this state, or an officer,
employee, or agent of the person, corporation, facility, or institution working under
the supervision of the person, corporation, facility, or institution in providing health-care services.
(6) [ Editor's note: This version of subsection (6) is effective until July 1,
2027. ] Motor vehicle means a motor vehicle and a low-power scooter, as both
terms are defined in section 42-1-102, C.R.S.; except that motor vehicle does not
include a toy vehicle, snowmobile, off-highway vehicle, or vehicle designed
primarily for use on rails.
(6) [ Editor's note: This version of subsection (6) is effective July 1, 2027. For
the applicability of this subsection (6) on or after January 1, 2028, see the editor's
note following this section. ] Motor vehicle means a motor vehicle, a kei
vehicle, and a low-power scooter, as each of these terms is defined in section 42-1-102; except that motor vehicle does not include a toy vehicle, snowmobile, off-highway vehicle, or vehicle designed primarily for use on rails.
(7) Nonpayment of premium means failure of the named insured to
discharge when due any obligations in connection with the payment of premiums on
the policy, or any installment of such premium, whether the premium is payable
directly to the insurer or its agent or indirectly under any premium finance plan or
extension of credit.
(8) Owner means a person who holds the legal title to a vehicle; except
that, if the vehicle is the subject of an agreement for the conditional sale or lease
thereof with the right of purchase upon performance of the conditions stated in the
agreement and with an immediate right of possession vested in the conditional
vendee or lessee, or if a mortgagor of the vehicle is entitled to possession, then
such conditional vendee or lessee or mortgagor shall be deemed the owner for the
purpose of this part 6.
(9) Person means every natural person, firm, partnership, association, or
corporation.
(10) Policy means an automobile insurance policy providing coverage for all
or any of the following coverages: Collision, comprehensive, bodily injury liability,
property damage liability, medical payments, and uninsured motorist coverage, or a
combination automobile policy providing bodily injury liability, property damage
liability, medical payments, uninsured motorist, and physical damage coverage,
delivered or issued for delivery in this state, insuring a single individual, or husband
and wife, or family members residing in the same household, as named insured, and
under which the insured vehicles therein designated are of the following types only:
(a) A motor vehicle of the private passenger or station wagon type that is not
used as a public or livery conveyance for passengers nor rented to others pursuant
to the terms of a motor vehicle rental agreement; or
(b) Any other four-wheel motor vehicle with a load capacity of fifteen
hundred pounds or less that is not used in the occupation, profession, or business of
the insured.
(11) Renewal or to renew means the issuance and delivery by an insurer of
a policy replacing at the end of the policy period a policy previously issued and
delivered by the same insurer or by an admitted company within the same insurance
group, or the issuance and delivery of a certificate or notice extending the term of
the policy beyond its policy period or term; but any policy with a policy period or
term of less than six months shall, for the purpose of this part 6, be considered as if
written for a policy period or term of six months; and any policy written for a term
longer than one year, or any policy with no fixed expiration date, shall, for the
purpose of this part 6, be considered as if written for successive policy periods or
terms of one year, and such policy may be terminated at the expiration of any
annual period upon giving twenty days' notice of cancellation prior to such
anniversary date, and such cancellation shall not be subject to any other provisions
of this part 6.
(12) Repealed.
(13) Resident relative means a person who, at the time of the accident, is
related by blood, marriage, or adoption to the named insured or resident spouse and
who resides in the named insured's household, even if temporarily living elsewhere,
and any ward or foster child who usually resides with the named insured, even if
temporarily living elsewhere.
(14) Stacking has the same meaning set forth in section 10-4-402 (3.5).