(1)Except as otherwise provided
in subsection (8) of this section, any natural person may satisfy the requirements of
section 10-4-619 by obtaining, in lieu of an owner's policy of insurance, an
operator's policy of liability insurance that meets the requirements of this section
and of this part 6.
(2)An operator's policy of liability insurance shall provide coverage and shall
state in a conspicuous type face and font on the face of the policy, that:
(a)The insurer is only liable under the policy for liability or damages incurred
by the insured while the named insured is the operator of a motor vehicle or while a
motor vehicle owned by the insured is not being operated by any other person;
(b)The policy does not provide coverage for any vicarious liability imposed
on the own
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(1) Except as otherwise provided
in subsection (8) of this section, any natural person may satisfy the requirements of
section 10-4-619 by obtaining, in lieu of an owner's policy of insurance, an
operator's policy of liability insurance that meets the requirements of this section
and of this part 6.
(2) An operator's policy of liability insurance shall provide coverage and shall
state in a conspicuous type face and font on the face of the policy, that:
(a) The insurer is only liable under the policy for liability or damages incurred
by the insured while the named insured is the operator of a motor vehicle or while a
motor vehicle owned by the insured is not being operated by any other person;
(b) The policy does not provide coverage for any vicarious liability imposed
on the owner of the motor vehicle as a result of the operation by another person of
a motor vehicle owned by the insured;
(c) The coverage provided by the policy may not meet the requirements of
the mandatory motor vehicle insurance or financial responsibility laws of another
state.
(3) No operator's policy of liability insurance issued pursuant to this section
may be delivered or issued for delivery in this state unless the insured has signed a
statement, in the same medium as the application was taken, that appears on the
contract and states that the insured has read and understood the policy and its
limitations.
(4) An owner of a motor vehicle that is registered or required to be
registered in this state and who holds an operator's policy of liability insurance
shall not permit another person to operate such motor vehicle if the owner knows or
should have known that the person does not have insurance to cover such other
person's operation of such motor vehicle. If a motor vehicle insured under an
operator's policy of liability insurance is driven by a person who does not have in
effect a complying policy as required by section 10-4-619 and such person is
involved in an accident, the owner of such motor vehicle and such driver shall be
liable for any liability or damages arising out of such person's use of the motor
vehicle.
(5) An operator's policy of liability insurance shall not provide coverage for
damages incurred while a person other than the named insured is operating a motor
vehicle.
(6) An operator's policy of liability insurance may provide coverage that
applies in other jurisdictions if the coverage available pursuant to this section does
not meet the mandatory motor vehicle insurance or financial responsibility
requirements of other jurisdictions.
(7) An operator's policy of liability insurance shall provide coverage for
liability incurred by the insured while a motor vehicle owned by the insured is not
being operated by any other person.
(8) This section shall not apply to a lessor, dealer, manufacturer, rebuilder, or
distributor of a motor vehicle; an owner of a fleet; a common, contract, or private
motor carrier; or any other individual who owns a motor vehicle for use in the
individual's business.
(9) If an insurer writing policies of insurance pursuant to this part 6 offers an
operator's policy of insurance, such policy shall meet the requirements of this
section.