Bill > S3899

This bill prohibits a motor vehicle liability insurance policy from limiting the full payment of recovery amounts under a covered person's policy. Specifically, it prohibits the policy from restricting the amount that may be recovered by a person insured under the policy, whether or not the person is a named insured or a "permissive user" (someone granted temporary permission to operate the vehicle), to an amount less than the maximum recovery limit provided in the policy for bodily injury liability, property damage liability, uninsured and underinsured motorist coverage, and medical payments coverage. If the policy covers more than one private passenger vehicle, the limits available to the permissive user will be the limits associated with the vehicle used when the loss occurred. The bill does not preclude insurers from enforcing applicable policy exclusions, and any recovery is limited to damages actually sustained.

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