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SB 74UTAHSession 2026State BillSigned into law
Enacted

Utah regulates motor vehicle liability policy-limit demands, insurer disclosures, and unrepresented-insured correspondence

Original title: Motor Vehicle Civil Action Amendments

Last action · March 17, 2026: Governor SignedSponsors: Cal Musselman and 1 other

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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Public stanceCommunity reactions are separate from the official record and reporting.

What This Bill Does

This law establishes specific content and timing requirements for letters in motor vehicle liability claims, mandates written disclosures from insurers regarding defense and indemnification when a demand is declined, and regulates direct communication between claimants and unrepresented insureds.

Why it matters

Motor vehicle accident claimants and insurance policyholders must follow new procedural timelines and notice rules before filing lawsuits or communicating directly about excess judgments.

Background
  • Calvin R. Musselman serves as a member of the Utah Senate, representing the upper house where SB 74 originated. context
  • Anthony E. Loubet serves in the Utah House of Representatives, sponsoring the legislation in the lower chamber. context

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

Liability insurance carriers

Carriers must evaluate policy-limit demands within specified timeframes and provide written disclosures regarding defense and indemnification commitments.

Directly affected

Claimants in third-party liability claims

Claimants must follow specific disclosure and timing requirements when issuing demand letters and corresponding with unrepresented insureds.

Directly affected

Unrepresented insureds

Insureds receive mandatory written notices and disclosures regarding potential excess judgments, right to counsel, and insurer defense intentions.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

What information must a policy-limit demand letter contain?
It must include reasonably sufficient information for the carrier to evaluate the claim, such as an incident description, injuries, liability basis, damages, and copies of medical records and bills supporting economic damages, but it does not require expert reports or attorney work product.
How much time does an insurance carrier have to respond to a policy-limit demand?
The claimant must provide the liability insurance carrier with no less than 30 days to accept or reject the .
What obligations does an insurer have if it receives correspondence regarding a claim exceeding policy limits involving an unrepresented insured?
Within 30 days, the insurer must provide a written disclosure stating whether it agrees to defend and the insured, and whether indemnification is capped at policy limits or extends to excess awards.

What else do you want to know?

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Where This Stands

Current status: Signed into law.

Procedural history

58 actions
  1. Mar 17, 2026Lieutenant Governor's office for filingEnrolled
    Governor Signed
  2. Mar 13, 2026Senate
    Senate/ to Governor
  3. Mar 13, 2026Senate
    Senate/ received enrolled bill from Printing
  4. Mar 12, 2026Senate
    Senate/ enrolled bill to Printing
  5. Mar 12, 2026Senate Secretary
    Enrolled Bill Returned to House or Senate
  6. Mar 10, 2026Legislative Research and General Counsel / Enrolling
    Draft of Enrolled Bill Prepared
Show 52 earlier actions
  1. Mar 10, 2026Legislative Research and General Counsel / Enrolling
    Bill Received from Senate for Enrolling
  2. Mar 6, 2026Senate
    Senate/ signed by President/ sent for enrolling
  3. Mar 6, 2026Senate
    Senate/ received from House
  4. Mar 6, 2026House
    House/ to Senate
  5. Mar 6, 2026House
    House/ signed by Speaker/ returned to Senate
  6. Mar 6, 2026HouseFloor
    House/ passed 3rd reading
  7. Mar 6, 2026House
    House/ uncircled
  8. Mar 6, 2026House
    House/ circled
  9. Mar 6, 2026House
    House/ 3rd reading
  10. Mar 5, 2026House
    House/ Rules to 3rd Reading Calendar
  11. Mar 3, 2026House
    House/ 3rd Reading Calendar to Rules
  12. Mar 2, 2026House
    House/ 2nd reading
  13. Mar 2, 2026House
    House/ committee report favorable
  14. Mar 2, 2026House
    House Comm - Favorable Recommendation
  15. Feb 27, 2026HouseCommittee
    House/ to standing committee
  16. Feb 26, 2026HouseIntroduced
    House/ 1st reading (Introduced)
  17. Feb 25, 2026House
    House/ received from Senate
  18. Feb 25, 2026Senate
    Senate/ to House
  19. Feb 25, 2026SenateFloor
    Senate/ passed 3rd reading
  20. Feb 25, 2026Senate
    Senate/ uncircled
  21. Feb 25, 2026Released
    LFA/ fiscal note publicly available for SB0074S03
  22. Feb 25, 2026Version Sponsor
    LFA/ fiscal note sent to sponsor for SB0074S03
  23. Feb 25, 2026Senate
    Senate/ circled
  24. Feb 25, 2026Senate
    Senate/ 3rd reading
  25. Feb 24, 2026SenateFloor
    Senate/ passed 2nd reading
  26. Feb 24, 2026Senate
    Senate/ substituted
  27. Feb 24, 2026Senate
    Senate/ 2nd reading
  28. Feb 24, 2026Legislative Fiscal Agency
    LFA/ bill sent to agencies for fiscal input for SB0074S03
  29. Feb 24, 2026Legislative Fiscal Analyst
    LFA/ bill assigned to staff for fiscal analysis for SB0074S03
  30. Feb 17, 2026Senate
    Senate/ placed on 2nd Reading Calendar
  31. Feb 17, 2026Senate
    Senate/ comm rpt/ substituted
  32. Feb 17, 2026Released
    LFA/ fiscal note publicly available for SB0074S02
  33. Feb 17, 2026Senate
    Senate Comm - Favorable Recommendation
  34. Feb 17, 2026Senate
    Senate Comm - Substitute Recommendation
  35. Feb 13, 2026Version Sponsor
    LFA/ fiscal note sent to sponsor for SB0074S02
  36. Feb 11, 2026Legislative Fiscal Agency
    LFA/ bill sent to agencies for fiscal input for SB0074S02
  37. Feb 11, 2026Legislative Fiscal Analyst
    LFA/ bill assigned to staff for fiscal analysis for SB0074S02
  38. Jan 30, 2026Released
    LFA/ fiscal note publicly available for SB0074S01
  39. Jan 30, 2026Version Sponsor
    LFA/ fiscal note sent to sponsor for SB0074S01
  40. Jan 27, 2026Legislative Fiscal Agency
    LFA/ bill sent to agencies for fiscal input for SB0074S01
  41. Jan 27, 2026Legislative Fiscal Analyst
    LFA/ bill assigned to staff for fiscal analysis for SB0074S01
  42. Jan 20, 2026SenateCommittee
    Senate/ to standing committee
  43. Jan 20, 2026Senate
    Senate/ received fiscal note from Fiscal Analyst
  44. Jan 20, 2026SenateIntroduced
    Senate/ 1st reading (Introduced)
  45. Jan 20, 2026Released
    LFA/ fiscal note publicly available for SB0074
  46. Jan 16, 2026Version Sponsor
    LFA/ fiscal note sent to sponsor for SB0074
  47. Jan 7, 2026Senate
    Senate/ received bill from Legislative Research
  48. Jan 5, 2026Legislative Research and General Counsel
    Numbered Bill Publicly Distributed
  49. Jan 5, 2026Legislative Research and General Counsel
    Bill Numbered but not Distributed
  50. Dec 8, 2025Version Sponsor
    LFA/ fiscal note sent to sponsor for SB0074
  51. Nov 18, 2025Legislative Fiscal Agency
    LFA/ bill sent to agencies for fiscal input for SB0074
  52. Nov 18, 2025Legislative Fiscal Analyst
    LFA/ bill assigned to staff for fiscal analysis for SB0074

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Sponsors

Cal MusselmanSenate · District 4RepublicanPrimary sponsor
Anthony LoubetHouse · District 27RepublicanCosponsor

Connected Entities

Utah Supreme Court, Calvin R. Musselman, Anthony E. Loubet
OrganizationUtah Supreme Court“Establishes Rules of Professional Conduct applicable to attorney correspondence ”Map →
PersonCalvin R. Musselman“Chief Sponsor of SB 74 in the Utah Senate”Map →
PersonAnthony E. Loubet“House Sponsor of SB 74”Map →

Sources

Open source document

le.utah.gov

Analysis Score

0–100
  • Significance65
    How much this matters to a regular citizen
  • Controversy40
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz15
    Current news / social attention level

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