Bill > HB0522

This bill amends Utah insurance laws related to motor vehicle liability coverage and automotive repair, making several key changes. First, the bill modifies motor vehicle insurance policies to provide expanded coverage, including covering damages resulting from a driver experiencing an unforeseeable medical event like a seizure, and adding provisions to cover the difference in a vehicle's market value after an accident. The bill also clarifies insurance coverage rules, ensuring that policy coverage cannot be reduced or "stepped down" when a named insured or permissive user is at fault in an accident. Additionally, the bill introduces new requirements for using non-Original Equipment Manufacturer (non-OEM) aftermarket crash parts in vehicle repairs, mandating that insurers provide written notice to insureds about such parts and requiring repair facilities to use non-OEM parts that are substantially equivalent in quality and function to original manufacturer parts. The bill also specifies detailed arbitration procedures for insurance claims between named insureds and requires the insurance department to establish a formula for calculating vehicle market value differences. The amendments aim to provide more transparency and protection for vehicle owners in insurance and repair scenarios, with an effective date of May 7, 2025.

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https://le.utah.gov/~2025/bills/static/HB0522.html