MN HF2603

Prohibits automobile insurance policies from containing household exclusions that exclude, limit, or reduce coverage for bodily injury based on the injured person's status as a household resident or relative of the insured.

Defines "relative" to include spouses, domestic partners, children, parents, siblings, grandparents, grandchildren, and related individuals by blood or affinity with equivalent family relationships.

Allows household exclusions only for bodily injury resulting from fraud, intentional or criminal conduct, and other exclusions expressly permitted by law.

Prohibits insurance companies from increasing premiums as a result of this prohibition.

Effective August 1, 2023, and applies to all automobile insurance policies in effect on or after that date without requiring endorsements or amendments.