HB 1991 Summary

• Establishes primary insurance coverage requirements for U-drive rental motor vehicles at four times the standard liability limits ($80,000 per person/$160,000 per accident for bodily injury; $40,000 for property damage) plus personal injury protection coverage.

• Requires U-drive rental businesses to offer optional uninsured/underinsured motorist coverage, stacking options, and additional insurance coverages to customers with written rejection procedures.

• Mandates written disclosure to rental customers of all available coverages and confirmation that optional coverages may not have been purchased, with written acknowledgment required.

• Expands the definition of "insured" to include U-drive rental customers and clarifies that U-drive motor vehicle insurance policies are primary coverage.

• Simplifies Section 431:10C-303.5 by removing conditional language regarding secondary coverage status for operator/renter personal policies.