{"data":{"id":"us-ut/utah-code-13-51-108","jurisdiction":"us-ut","citation":"Utah Code § 13-51-108","heading":"Insurance.","body":"(1) A transportation network company or a transportation network driver shall maintain insurance that covers, on a primary basis, a transportation network driver's use of a vehicle during a prearranged ride and that includes:\n(a) an acknowledgment that the transportation network driver is using the vehicle in connection with a transportation network company during a prearranged ride or that the transportation network driver is otherwise using the vehicle for a commercial purpose;\n(b) liability coverage for a minimum amount of $1,000,000 per occurrence;\n(c) personal injury protection to the extent required under Sections 31A-22-306 through 31A-22-309;\n(d) uninsured motorist coverage where required by Section 31A-22-305; and\n(e) underinsured motorist coverage where required by Section 31A-22-305.3.\n(2) A transportation network company or a transportation network driver shall maintain insurance that covers, on a primary basis, a transportation network driver's use of a vehicle during a waiting period and that includes:\n(a) an acknowledgment that the transportation network driver is using the vehicle in connection with a transportation network company during a waiting period or that the transportation network driver is otherwise using the vehicle for a commercial purpose;\n(b) liability coverage in a minimum amount, per occurrence, of:\n(i) $50,000 to any one individual;\n(ii) $100,000 to all individuals; and\n(iii) $30,000 for property damage;\n(c) personal injury protection to the extent required under Sections 31A-22-306 through 31A-22-309;\n(d) uninsured motorist coverage where required by Section 31A-22-305; and\n(e) underinsured motorist coverage where required by Section 31A-22-305.3.\n(3) A transportation network company and a transportation network driver may satisfy the requirements of Subsections (1) and (2) by:\n(a) the transportation network driver purchasing coverage that complies with Subsections (1) and (2);\n(b) the transportation network company purchasing, on the transportation network driver's behalf, coverage that complies with Subsections (1) and (2); or\n(c) a combination of Subsections (3)(a) and (b).\n(4) An insurer may offer to a transportation network driver a personal automobile liability insurance policy, or an amendment or endorsement to a personal automobile liability policy, that:\n(a) covers a private passenger motor vehicle while used to provide transportation network services; and\n(b) satisfies the coverage requirements described in Subsection (1) or (2).\n(5) Nothing in this section requires a personal automobile insurance policy to provide coverage while a driver is providing transportation network services.\n(6) If a transportation network company does not purchase a policy that complies with Subsections (1) and (2) on behalf of a transportation network driver, the transportation network company shall verify that the driver has purchased a policy that complies with Subsections (1) and (2).\n(7) An insurance policy that a transportation network company or a transportation network driver maintains under Subsection (1) or (2):\n(a) satisfies the security requirements of Section 41-12a-301; and\n(b) may be placed with:\n(i) an insurer that is certified under Section 31A-4-103; or\n(ii) a surplus lines insurer eligible under Section 31A-15-103.\n(8) An insurer that provides coverage for a transportation network driver explicitly for the transportation network driver's transportation network services under Subsection (1) or (2) shall have the duty to defend a liability claim arising from an occurrence while the transportation network driver is providing transportation network services.\n(9) If insurance a transportation network driver maintains under Subsection (1) or (2) lapses or ceases to exist, a transportation network company shall provide coverage complying with Subsection (1) or (2) beginning with the first dollar of a claim.\n(10)\n(a) An insurance policy that a transportation network company or transportation network driver maintains under Subsection (1) or (2) may not provide that coverage is dependent on a transportation network driver's personal automobile insurance policy first denying a claim.\n(b) Subsection (10)(a) does not apply to coverage a transportation network company provides under Subsection (9) in the event a transportation network driver's coverage under Subsection (1) or (2) lapses or ceases to exist.\n(11) A personal automobile insurer:\n(a) notwithstanding Section 31A-22-302, may offer a personal automobile liability policy that excludes coverage for a loss that arises from the use of the insured vehicle to provide transportation network services; and\n(b) does not have the duty to defend or indemnify a loss if an exclusion described in Subsection (11)(a) excludes coverage according to the policy's terms.","path":["Title 13 Commerce and Trade","Chapter 13-51 Transportation Network Company Registration Act","Part 13-51-1 Registration"],"source_url":"https://le.utah.gov/xcode/Title13/Chapter51/13-51-S108.html","current_through":"2026 General Session","vintage":"","retrieved_at":"2026-09-03T11:34:33Z","sha256":"0914fc155f574247d30f551060d5632d83ae6f1e902b0c3e438564d35b54d4dd","source_id":"us-ut","stale":false,"prev":"us-ut/utah-code-13-51-107","next":"us-ut/utah-code-13-51-109"},"notice":"GroundRules: Original legal text. Not legal advice."}