reglab/housing_qa huggingface dataset:
UT Code § 31A-22-306 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 306 - Personal injury protection.

31A-22-306. Personal injury protection.  Personal injury protection under Subsection 31A-22-302(2) provides the coverages and benefits described under Section 31A-22-307 to persons described under Section 31A-22-308, but is subject to the limitations, exclusions, and conditions set forth in Section 31A-22-309.  Amended by Chapter 204, 1986 General Session
UT Code § 31A-22-308 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 308 - Persons covered by personal injury protection.

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 United States, its territories or possessions, or Canada, except where the injury is the result of the use or operation of the named insured's own motor vehicle not actually insured under the policy;     (2) persons related to the insured by blood, marriage, adoption, or guardianship who are residents of the insured's household, including those who usually make their home in the same household but temporarily live elsewhere under the circumstances described in Section (1), except where the person is injured as a result of the use or operation of his own motor vehicle not insured under the policy; and     (3) any other natural person whose injuries arise out of an automobile accident occurring while the person occupies a motor vehicle described in the policy with the express or implied consent of the named insured or while a pedestrian if he is injured in an accident occurring in Utah involving the described motor vehicle.    Amended by Chapter 327, 1990 General Session
UT Code § 31A-22-310 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 310 - Assigned risk plan.

31A-22-310. Assigned risk plan.    (1) After consultation with insurers authorized to issue policies containing the provisions specified under Section 31A-22-302, the insurance commissioner shall approve a reasonable plan for the equitable apportionment among the insurers of applicants for those policies who are in good faith entitled to, but are unable to procure, these policies through ordinary methods.     (2) Upon the commissioner's approval of a plan under this section, all insurers issuing policies described under Section 31A-22-302 shall subscribe to and participate in the commissioner's approved plan.     (3) Any applicant for a policy under the commissioner's plan, any person insured under the plan, and any insurer affected by the commissioner's plan may appeal to the insurance commissioner from any ruling or decision of the manager or committee designated to operate the plan.     (4) Section 31A-2-306 applies to the commissioner's decision on this appeal.    Amended by Chapter 161, 1987 General Session
UT Code § 31A-22-311 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 311 - Definitions.

31A-22-311. Definitions.  As used in Sections 31A-22-312 and 31A-22-314:  (1) "Authorized driver" means the person to whom the vehicle is rented and includes:   (a) his spouse if a licensed driver satisfying the rental company's minimum age requirement;     (b) his employer or coworker if engaged in business activity with the renter and if they are licensed drivers satisfying the rental company's minimum age requirement;     (c) any person who operates the vehicle during an emergency situation;     (d) any person who operates the vehicle while parking the vehicle at a commercial establishment; or     (e) any person expressly listed by the rental company on the rental agreement as an authorized driver.       (2) "Damage" means any damage or loss to the rented vehicle resulting from a collision, including loss of use and any costs and expenses incident to the damage or loss.     (3) "Rental agreement" means any written agreement stating the terms and conditions governing the use of a private passenger motor vehicle provided by a rental company.     (4) "Rental company" means any person or organization in the business of providing private passenger motor vehicles to the public.     (5) "Renter" means any person or organization obtaining the use of a private passenger motor vehicle from a rental company under the terms of a rental agreement.    Amended by Chapter 316, 1994 General Session
UT Code § 31A-22-312 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 312 - Liability for collision damage -- No security required -- No waiver -- Section inapplicable to rental companies disclosing charges.

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 when:   (a) the damage is caused intentionally by an authorized driver or as a result of his willful and wanton misconduct;     (b) the damage arises out of the authorized driver's operation of the vehicle while illegally intoxicated or under the influence of any illegal drug as defined or determined under the law of the state where the damage occurred;     (c) the damage is caused while the authorized driver is engaged in any speed contest;     (d) the rental transaction is based on information supplied by the renter with the intent to defraud the rental company;     (e) the damage arises out of the use of the vehicle while committing or otherwise engaged in a criminal act in which the use of the motor vehicle is substantially related to the nature of the criminal activity;     (f) the damage arises out of the use of the motor vehicle to carry persons or property for hire; or     (g) the damage arises out of the use of the motor vehicle outside of the United States or Canada unless the use is specifically authorized by the rental agreement.       (2) No security or deposit for damage in any form may be required or requested by the rental company during the rental period, or pending the resolution of any dispute.     (3) No waiver may be offered to provide coverage for any of the exceptions listed in this section.     (4) This section does not apply to any rental company:   (a) whose advertising in this state clearly discloses all charges and costs incidental to the basic daily rental rate; and     (b) that provides written notice to renters clearly printed on the rental agreement and prominently displayed at its place of business, that the renter's own motor vehicle insurance or his credit card agreement may cover any damage or loss to the rental vehicle.      Enacted by Chapter 251, 1989 General Session
UT Code § 31A-22-314 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 314 - Mandatory coverage.

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) A rental company shall maintain owner's or operator's security meeting the requirements of Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act.     (b) Owner's or operator's security maintained by a rental company under Subsection (2)(a) applies only when there is no other valid or collectible insurance or other form of security meeting the minimum requirements of Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act.     (c) If other valid or collectible insurance or other form of security satisfies the minimum requirements of Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act, on a loss involving a rental vehicle, a rental company's obligation under Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act, is satisfied.     (d) When no other valid or collectible insurance or other form of security exists meeting the minimum requirements of Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act, a rental company shall provide security meeting the minimum requirements of Title 41, Chapter 12a, Financial Responsibility of Motor Vehicle Owners and Operators Act, for losses involving a rental vehicle.       (3) Nothing in this section shall be construed to expand or reduce the liability of a rental company or to impair a rental company's right to indemnity, contribution, or both.    Amended by Chapter 391, 2007 General Session
UT Code § 31A-22-315.5 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 315.5 - Motor vehicle insurance verification -- Penalty.

31A-22-315.5. Motor vehicle insurance verification -- Penalty.    (1)   (a) Except as provided in Subsection (1)(b), and in addition to the reporting requirements under Section 31A-22-315, each insurer that issues a policy that includes motor vehicle liability coverage, uninsured motorist coverage, underinsured motorist coverage, or personal injury coverage under this part shall, upon request, provide to the Department of Public Safety's designated agent selected in accordance with Title 41, Chapter 12a, Part 8, Uninsured Motorist Identification Database Program, verification of whether or not a motor vehicle insurance policy is in effect for a specified vehicle.     (b) An insurer that issues a policy that includes motor vehicle liability coverage, uninsured motorist coverage, underinsured motorist coverage, or personal injury coverage under this part is not required to provide verification of a motor vehicle insurance policy in effect for a vehicle to the Department of Public Safety's designated agent under Subsection (1)(a) if:   (i) the policy covers a vehicle that is registered under Section 41-1a-221, 41-1a-222, or 41-1a-301;     (ii) the policy covers a commercial motor vehicle; or     (iii) the insurer issues insurance for less than 500 motor vehicles.         (2) Each insurer shall provide the verification required under Subsection (1) using an electronic service established by the insurers, through the Internet, world wide web, or a similar proprietary or common carrier electronic system that:   (a) is compliant with:   (i) the specifications and standards of the Insurance Industry Committee on Motor Vehicle Administration; and     (ii) other applicable industry standards;       (b) is available 24 hours a day, seven days a week, subject to reasonable allowances for:   (i) scheduled maintenance; or     (ii) temporary system failures; and       (c) includes appropriate security measures, consistent with industry standards, to:   (i) secure its data against unauthorized access; and     (ii) maintain a record of all information requests.         (3)   (a) The commissioner may, following procedures set forth in Title 63G, Chapter 4, Administrative Procedures Act, assess a fine against an insurer of up to $250 for each day the insurer fails to comply with this section.     (b) The commissioner shall excuse the fine if an insurer shows that the failure to comply with this section was:   (i) inadvertent;     (ii) accidental; or     (iii) the result of excusable neglect.        Enacted by Chapter 243, 2012 General Session
UT Code § 31A-22-316 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 316 - Title.

31A-22-316. Title.  Sections 31A-22-316 through 31A-22-319 are known as the "Aftermarket Crash Parts Act."  Renumbered and Amended by Chapter 8, 1995 General Session
UT Code § 31A-22-317 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 317 - Definitions.

31A-22-317. Definitions.  As used in Sections 31A-22-316 through 31A-22-319:  (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 individual who replaces or repairs the parts of a motor vehicle.     (3) "Insurer" means an insurance company and any person authorized to represent the insurer with respect to a claim.     (4) "Nonoriginal equipment manufacturer" or "non-OEM" means a manufacturer of replacement parts for a different manufacturer's equipment.     (5) "Non-OEM aftermarket crash part" means an aftermarket crash part not made for or by the manufacturer of the motor vehicle.     (6) "Repair facility" means any motor vehicle dealer, garage, body shop, or other commercial entity that repairs or replaces those parts that generally constitute the exterior of a motor vehicle.    Renumbered and Amended by Chapter 8, 1995 General Session
UT Code § 31A-22-318 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 318 - Identification.

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 nonoriginal equipment manufacturer's logo or name shall be visible after installation whenever practicable.    Renumbered and Amended by Chapter 8, 1995 General Session
UT Code § 31A-22-319 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 319 - Prohibition on insurer requiring certain parts -- Disclosure.

31A-22-319. Prohibition on insurer requiring certain parts -- Disclosure.    (1) Unless the insured is given 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. The notice required by Subsection (1) shall identify non-OEM parts as not made for or by the vehicle manufacturer.     (2) Unless the consumer is given notice in writing prior to installation, a repair facility or installer may not use non-OEM aftermarket parts to repair a vehicle.     (3) In all instances where non-OEM aftermarket crash parts are intended for use by an insurer:   (a) the written estimate shall clearly identify each non-OEM aftermarket crash part; and     (b) a disclosure document containing the following statements in 10 point or larger type shall appear on or be attached to the insured's copy of the estimate: "This estimate has been prepared based on the use of crash parts supplied by a source other than the manufacturer of your motor vehicle. Warranties applicable to these replacement parts are provided by the manufacturer or distributor of these parts rather than the manufacturer of your vehicle."      Renumbered and Amended by Chapter 8, 1995 General Session
UT Code § 31A-22-320 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 320 - Use of credit information.

31A-22-320. Use of credit information.    (1) For purposes of this section:   (a) "Credit information" means:   (i) a consumer report;     (ii) a credit score;     (iii) any information obtained by the insurer from a consumer report;     (iv) any part of a consumer report; or     (v) any part of a credit score.       (b)   (i) Except as provided in Subsection (1)(b)(ii), "consumer report" is as defined in 15 U.S.C. 1681a.     (ii) "Consumer report" does not include:   (A) a motor vehicle record obtained from a state or an agency of a state; or     (B) any information regarding an applicant's or insured's insurance claim history.         (c)   (i) "Credit score" means a numerical value or a categorization that is:   (A) derived from information in a consumer report;     (B) derived from a statistical tool or modeling system; and     (C) developed to predict the likelihood of:   (I) future insurance claims behavior; or     (II) credit behavior.         (ii) "Credit score" includes:   (A) a risk predictor; or     (B) a risk score.       (iii) A numerical value or a categorization described in Subsection (1)(c)(i) is a credit score if it is developed to predict the behavior described in Subsection (1)(c)(i)(C) regardless of whether it is developed to predict other factors in addition to predicting the behavior described in Subsection (1)(c)(i)(C).       (d) "Motor vehicle related insurance policy" means:   (i) a motor vehicle liability policy;     (ii) a policy that contains uninsured motorist coverage;     (iii) a policy that contains underinsured motorist coverage;     (iv) a policy that contains property damage coverage under this part; or     (v) a policy that contains personal injury coverage under this part.         (2) An insurer that issues a motor vehicle related insurance policy:   (a) except as provided in Subsection (2)(b), may not use credit information for the purpose of determining for the motor vehicle related insurance policy:   (i) renewal;     (ii) nonrenewal;     (iii) termination;     (iv) eligibility;     (v) underwriting; or     (vi) rating; and       (b) notwithstanding Subsection (2)(a), may use credit information for the purpose of:   (i) if risk related factors other than credit information are considered, determining initial underwriting; or     (ii) providing to an insured:   (A) a reduction in rates paid by the insured for the motor vehicle related insurance policy; or     (B) any other discount similar to the reduction in rates described in Subsection (2)(b)(ii)(A).           (3) In accordance with Title 63G, Chapter 3, Utah Administrative Rulemaking Act, the commissioner may make rules necessary to enforce this section.    Amended by Chapter 382, 2008 General Session
UT Code § 31A-22-322 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 3 - Motor Vehicle Insurance|Section 322 - Improper administration of cancelled auto insurance coverage.

 Effective 5/10/2016  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:   (a) 15 days after the request for cancellation; or     (b) 15 days after the effective date of the cancellation.       (2) After cancellation by an insured of auto insurance coverage, the insurer may not reinstate the cancelled policy without the express consent of the insured.     (3) After cancellation by an insured of auto insurance coverage, the insurer shall refund any funds collected by the insurer to which the insurer is not entitled, calculated according to the terms of the insurance policy, before the later of:   (a) 30 days after the request for cancellation; or     (b) 30 days after the effective date of the cancellation.       (4) The commissioner may order an insurer who violates this section to forfeit to the state not more than $2,500 for each violation.    Enacted by Chapter 125, 2016 General Session
UT Code § 31A-22-400 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 4 - Life Insurance and Annuities|Section 400 - Scope of part.

31A-22-400. Scope of part.  This Part 4, Life Insurance and Annuities, 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.    Amended by Chapter 90, 2004 General Session
UT Code § 31A-22-401 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 4 - Life Insurance and Annuities|Section 401 - Prohibited life insurance policy provisions.

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 Section 31A-21-101 which contains any provision:  (1) forfeiting the policy for failure to repay any loan on the policy or to pay interest on the loan while the total indebtedness on the policy is less than its loan value, and in ascertaining the indebtedness due upon policy loans, the interest, if not paid when due, may be added to the principal of those loans and may bear interest at the same rate as the principal;     (2) claiming that the policy was issued or became effective more than one year before the original application for the insurance is executed, if the insured would then be rated at an age more than one year younger than his age at the date of his application, unless the aggregate amount of the annual premiums for the whole term of the back-dated period is paid in cash; or     (3) allowing assessments or calls to be made upon policyholders.    Amended by Chapter 204, 1986 General Session
UT Code § 31A-22-402 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 22 - Contracts in Specific Lines|Part 4 - Life Insurance and Annuities|Section 402 - Grace period -- Notification.

 Effective 5/5/2021  31A-22-402. Grace period -- Notification.    (1)   (a) 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.     (b) During the grace period described in Subsection (1)(a), the policy continues in full force.       (2) The grace period required by Subsection (1) may not be less than:   (a) 31 days; or     (b) four weeks for policies whose premiums are payable more frequently than monthly.       (3) The insurer may impose an interest charge during the grace period not in excess of the interest rate:   (a) set by the policy for policy loans; or     (b) in the absence of a provision described in Subsection (3)(a), a rate set by the commissioner by rule.       (4) If a claim arises under the policy during the grace period, an insurer may deduct from the policy proceeds:   (a) the amount of any premium due or overdue;     (b) interest at the rate provided in this section; and     (c) any deferred installment of the annual premium.       (5)   (a) At least 30 days before the day on which the insurer terminates coverage, the insurer shall send written notice of termination of coverage to:   (i) the policyholder's last-known address; and     (ii) a third party designated in accordance with Section 31A-22-430.       (b) An insurer shall obtain and, upon request, demonstrate proof of delivery for a notice the insurer sends under Subsection (5)(a).     (c) Proof of delivery described in Subsection (5)(b) may include a certified mail receipt or, for electronic delivery, a read receipt.      Amended by Chapter 221, 2021 General Session