UT| Bulletin 2025-08, from the Utah Insurance Department, dated September 8, 2025, informing property and casualty insurance licensees of legislative changes to Utah Code 41-12a-301 regarding financial responsibility for motor vehicle insurance requirements in Utah. The updated law, effective March 25, 2025, mandates that any vehicle registered in Utah must have continuous owners or operators security (including required liability coverage), and comprehensive-only policies are no longer accepted as fulfilling this requirement. The Department directs insurers and agents to notify all affected policyholders and agents, especially those with seasonal vehicles, about the need for continuous qualifying coverage throughout registration periods in order to comply with state law and avoid violations.
Key Points:
- Comprehensive-only insurance policies are now ineligible to satisfy financial responsibility requirements for all vehicles registered in Utah.
- Seasonal vehicles must maintain full qualifying coverage for the entire period of registration, regardless of whether the vehicle is being used.
- Insurers and agents must update procedures, educate staff, and proactively communicate these changes to all affected customers to ensure compliance.