Senate Bill 870 Summary

• Allows insurers to permit owners of non-driven motor vehicles to delete certain coverage types while maintaining comprehensive coverage on their policy.

• Adds "commercial quadricycle" and "rental motor vehicle" to the definitions in the Insurance Code, defining commercial quadricycles as human-powered or motor-assisted vehicles with at least 4 wheels and 6 passenger seats used for commercial purposes.

• Excludes ORVs registered for public highway use with required security from the definition of ORV for insurance purposes.

• Denies personal protection insurance benefits to unauthorized drivers of rental motor vehicles who are not listed as additional authorized drivers in the rental agreement.

• Clarifies that security is only required when a motor vehicle is driven or moved on a highway, not when stored.