Utah Code § 31A-11-101: Prohibition of unauthorized motor clubs.

(1) No person may act as a motor club, except:

(a) a corporation authorized under Chapter 5, Domestic Stock and Mutual Insurance Corporations, or Chapter 14, Foreign Insurers, which actually engages in the insurance of automobiles against liability, physical damage, or both; or

(b) a corporation or division of a corporation authorized under this chapter.

(2) No person is acting as a motor club merely by offering travel-related services that do not constitute insurance, or by arranging, through producers qualified under Chapter 23a, Insurance Marketing - Licensing Producers, Consultants, and Reinsurance Intermediaries, for insurance coverages underwritten by insurers authorized to do business in this state.