Utah § 13-48a-302 Motor vehicle liability insurance.

Utah Statutes

§ 13-48a-302 — Motor vehicle liability insurance.

Utah § 13-48a-302

Title 13Commerce and Trade

Ch. 13-48aCar-Sharing Programs

Part 13-48a-3Liability and Insurance for Covered Loss from Operation of Shared Vehicle

This text of Utah § 13-48a-302 (Motor vehicle liability insurance.) is published on Counsel Stack Legal Research, covering Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Utah Code Ann. § 13-48a-302 (2026).

Text

(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:

(1)(a) recognizes that the shared vehicle insured under the policy is made available and used through a car-sharing program; or

(1)(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:

(2)(a) a shared vehicle owner;

(2)(b) a shared vehicle driver;

(2)(c) a car-sharing program; or

(2)(d) a shared vehicle owner, a shared vehicle driver, and a car-sharing program. (3

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(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:

(1)(a) recognizes that the shared vehicle insured under the policy is made available and used through a car-sharing program; or
(1)(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:

(2)(a) a shared vehicle owner;
(2)(b) a shared vehicle driver;
(2)(c) a car-sharing program; or
(2)(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:

(4)(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
(4)(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.