Utah 2026 General Session Status: Enacted 2 R cosponsors

SB 74 — Motor Vehicle Civil Action Amendments

Last action — Governor Signed

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced November 18, 2025. Enacted.

Signed by Governor Spencer Cox (Republican) on March 17, 2026.

Odds of enactment

High chance

Based on the sponsor, cosponsors, and committee posture, this bill has a high chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 54% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 2 sponsors

    1 primary, 1 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (2 R).

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

What changed in the latest version

110 added · 130 removed

Plain-language change summary

The updated version of SB 74 removes a provision related to seat belt laws and focuses solely on establishing requirements for third-party liability claims in motor vehicle incidents. It now specifies that when a claimant sends a demand letter to an insurance company for policy limits, it must include detailed information about the claim and allow at least 30 days for the insurer to respond. This change is significant as it aims to provide clearer guidelines for both claimants and insurance companies, potentially making the claims process more transparent and efficient.

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SB0074S03 compared with SB0074 {Omitted text} shows text that was in SB0074 but was omitted in SB0074S03 inserted text shows text that was not in SB0074 but was inserted into SB0074S03 DISCLAIMER:
Enrolled Copy S.B.
This document is provided to assist you in your comparison of the two bills.
74 Motor Vehicle Civil Action Amendments GENERAL SESSION STATE OF UTAH Chief Sponsor:
Sometimes this automated comparison will NOT be completely accurate.
Therefore, you need to read the actual bills.
This automatically generated document could contain inaccuracies caused by:
limitations of the compare program;
bad input data;
or other causes.
{Seat Belt } Motor Vehicle Civil Action Amendments GENERAL SESSION STATE OF UTAH Chief Sponsor:
3 LONG TITLE General Description:
Anthony E.
This bill amends {seat belt laws to allow } the {misuse of or failure } Insurance Code to {use a seat belt to be considered for contributory or comparative negligence } establish requirements relating to policy-limit demands and disclosures in {civil litigation} third-party liability claims related to motor vehicle liability.
Loubet 3 LONG TITLE General Description:
This bill amends the Insurance Code to establish requirements relating to policy-limit demands and disclosures in third-party liability claims related to motor vehicle liability.
▸ {amends the Traffic Code to allow the misuse of or failure to use a seat belt to be considered as contributory or comparative negligence in civil litigation.} ▸ establishes requirements for the content of policy-limit demand letters from a claimant to a liability insurance carrier;
▸ establishes requirements for the content of policy-limit demand letters from a claimant to a liability insurance carrier;
S B ▸ requires a liability insurance carrier to provide written disclosure to the insured regarding defense and indemnification;
▸ requires a liability insurance carrier to provide written disclosure to the insured regarding defense and indemnification;
7 SB0074 compared with SB0074S03 ▸ addresses the effect of a disclosure and the consequences of noncompliance;
▸ addresses the effect of a disclosure and the consequences of noncompliance;
31A-22-323 , Utah Code Annotated 1953 AMENDS:
31A-22-323, Utah Code Annotated 1953 Be it enacted by the Legislature of the state of Utah:
{41-6a-1806 , as renumbered and amended by Laws of Utah 2005, Chapter 2} Be it enacted by the Legislature of the state of Utah:
Section 1 is enacted to read:
Section 31A-22-323 is enacted to read:
31A-22-323.
31A-22-323 .
Policy-limit demands, correspondence, and disclosure requirements -- Third- party liability claims.
Policy-limit demands, correspondence, and disclosure requirements S.B.
(1) (a) In a third-party liability claim arising under this part in which a claimant or claimant's legal counsel sends a demand letter to a liability insurance carrier demanding the insured's liability policy limits in exchange for a release of claims, such a demand letter shall:
74 Enrolled Copy -- Third-party liability claims.
(1)(a) In a third-party liability claim arising under this part in which a claimant or claimant's legal counsel sends a demand letter to a liability insurance carrier demanding the insured's liability policy limits in exchange for a release of claims, such a demand letter shall:
and (ii) provide the liability insurance carrier with no less than 30 days to accept or reject the policy- limit demand.
and (ii) provide the liability insurance carrier with no less than 30 days to accept or reject the policy-limit demand.
(2) (a) If the liability insurance carrier that receives a claimant's demand letter described in Subsection (1) declines to tender the insured's liability policy limits following the receipt of the demand letter, and - 2 - SB0074 compared with SB0074S03 the claimant intends to file a cause of action against the insured, and the claimant or claimant's legal counsel elects to correspond directly with an unrepresented insured, the correspondence with the insured shall:
(2)(a) If the liability insurance carrier that receives a claimant's demand letter described in Subsection (1) declines to tender the insured's liability policy limits following the receipt of the demand letter, and the claimant intends to file a cause of action against the insured, and the claimant or claimant's legal counsel elects to correspond directly with an unrepresented insured, the correspondence with the insured shall:
(b) Unless necessary to preserve the claimant's legal rights, a claimant or the claimant's legal counsel may not file a cause of action against the insured until 45 days after that date on which the insured has received the correspondence described in Subsection (2)(a).
- 2 - Enrolled Copy S.B.
74 (b) Unless necessary to preserve the claimant's legal rights, a claimant or the claimant's legal counsel may not file a cause of action against the insured until 45 days after that date on which the insured has received the correspondence described in Subsection (2)(a).
and - 3 - SB0074 compared with SB0074S03 (ii) if the correspondence references or suggests the possibility of placing a judgment lien against personal property of the insured following any judgment, shall include a plain-language explanation of the process for obtaining a judgment lien.
and (ii) if the correspondence references or suggests the possibility of placing a judgment lien against personal property of the insured following any judgment, shall include a plain-language explanation of the process for obtaining a judgment lien.
(3) (a) Within 30 days after the date on which the liability insurance carrier receives a copy of the correspondence described in Subsection (2), the liability insurance carrier shall provide the insured with a written disclosure stating whether the liability insurance carrier agrees:
(3)(a) Within 30 days after the date on which the liability insurance carrier receives a copy of the correspondence described in Subsection (2), the liability insurance carrier shall provide the insured with a written disclosure stating whether the liability insurance carrier agrees:
(4) (a) A disclosure made under Subsection (3):
(4)(a) A disclosure made under Subsection (3):
(i) does not expand, reduce, or modify coverage under the insurance policy;
- 3 - S.B.
74 Enrolled Copy (i) does not expand, reduce, or modify coverage under the insurance policy;
(b) (i) Compliance with the procedural provisions of this section does not preclude a finding that the liability insurance carrier breached the liability insurance carrier's duty of good faith if the liability insurance carrier's substantive decisions regarding settlement, defense, or indemnification were unreasonable under the circumstances.
(b)(i) Compliance with the procedural provisions of this section does not preclude a finding that the liability insurance carrier breached the liability insurance carrier's duty of good faith if the liability insurance carrier's substantive decisions regarding settlement, defense, or indemnification were unreasonable under the circumstances.
- 4 - SB0074 compared with SB0074S03 (5) Nothing in this section alters, limits, or waives:
(5) Nothing in this section alters, limits, or waives:
(6) (a) A claimant's failure to comply with Subsection (1) or (2) does not bar the claimant from filing suit against the insured or pursuing any remedies available at law, but may be considered by a court in evaluating whether a settlement demand was reasonable for purposes of determining whether a liability insurance carrier breached the liability insurance carrier's duty of good faith.
(6)(a) A claimant's failure to comply with Subsection (1) or (2) does not bar the claimant from filing suit against the insured or pursuing any remedies available at law, but may be considered by a court in evaluating whether a settlement demand was reasonable for purposes of determining whether a liability insurance carrier breached the liability insurance carrier's duty of good faith.
(e) Nothing in this section creates a private cause of action.
- 4 - Enrolled Copy S.B.
{Section 1.
74 (e) Nothing in this section creates a private cause of action.
Section 41-6a-1806 is amended to read:
} 41-6a-1806.
Compliance -- Civil litigation.
The misuse or failure to use a child restraint device or misuse or failure to wear a safety belt:
Show all 44 changed rows (4 more)
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(1) [does not ] may constitute contributory or comparative negligence on the part of a person seeking recovery for injuries;
and (2) may [not ]be introduced as evidence in any civil litigation on the issue of negligence, injuries, or the mitigation of damages.
Effective date.
- 5 - SB0074 compared with SB0074S03 2-24-26 11:21 AM - 6 -
- 5 -
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Action History

  1. Governor Signed

  2. Senate/ to Governor

  3. Senate/ received enrolled bill from Printing

  4. Senate/ enrolled bill to Printing

  5. Enrolled Bill Returned to House or Senate

  6. Draft of Enrolled Bill Prepared

  7. Bill Received from Senate for Enrolling

  8. Senate/ signed by President/ sent for enrolling

  9. Senate/ received from House

  10. House/ to Senate

  11. House/ signed by Speaker/ returned to Senate

  12. House/ passed 3rd reading

  13. House/ uncircled

  14. House/ circled

  15. House/ 3rd reading

  16. House/ Rules to 3rd Reading Calendar

  17. House/ 3rd Reading Calendar to Rules [House Rules Committee]

  18. House/ 2nd reading

  19. House/ committee report favorable [House Judiciary Committee]

  20. House Comm - Favorable Recommendation [House Judiciary Committee]

  21. House/ to standing committee [House Judiciary Committee]

  22. House/ 1st reading (Introduced)

  23. House/ received from Senate

  24. Senate/ to House

  25. Senate/ passed 3rd reading

  26. Senate/ uncircled

  27. LFA/ fiscal note publicly available for SB0074S03

  28. LFA/ fiscal note sent to sponsor for SB0074S03

  29. Senate/ circled

  30. Senate/ 3rd reading

  31. Senate/ passed 2nd reading

  32. Senate/ substituted

  33. Senate/ 2nd reading

  34. LFA/ bill sent to agencies for fiscal input for SB0074S03

  35. LFA/ bill assigned to staff for fiscal analysis for SB0074S03

  36. Senate/ placed on 2nd Reading Calendar

  37. Senate/ comm rpt/ substituted [Senate Judiciary, Law Enforcement, and Criminal Justice Committee]

  38. LFA/ fiscal note publicly available for SB0074S02

  39. Senate Comm - Favorable Recommendation [Senate Judiciary, Law Enforcement, and Criminal Justice Committee]

  40. Senate Comm - Substitute Recommendation [Senate Judiciary, Law Enforcement, and Criminal Justice Committee]

  41. LFA/ fiscal note sent to sponsor for SB0074S02

  42. LFA/ bill sent to agencies for fiscal input for SB0074S02

  43. LFA/ bill assigned to staff for fiscal analysis for SB0074S02

  44. LFA/ fiscal note publicly available for SB0074S01

  45. LFA/ fiscal note sent to sponsor for SB0074S01

  46. LFA/ bill sent to agencies for fiscal input for SB0074S01

  47. LFA/ bill assigned to staff for fiscal analysis for SB0074S01

  48. Senate/ to standing committee [Senate Judiciary, Law Enforcement, and Criminal Justice Committee]

  49. Senate/ received fiscal note from Fiscal Analyst

  50. Senate/ 1st reading (Introduced)

  51. LFA/ fiscal note publicly available for SB0074

  52. LFA/ fiscal note sent to sponsor for SB0074

  53. Senate/ received bill from Legislative Research

  54. Numbered Bill Publicly Distributed

  55. Bill Numbered but not Distributed

  56. LFA/ fiscal note sent to sponsor for SB0074

  57. LFA/ bill sent to agencies for fiscal input for SB0074

  58. LFA/ bill assigned to staff for fiscal analysis for SB0074

Sponsors

Sponsorship breakdown

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1 sponsors · 1 co-sponsors · 102 not signed on

Sponsors (1)

Co-sponsors (1)

Not signed on (102)

102 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

civil-rights transportation
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Frequently asked questions

Who sponsors SB 74?
SB 74 is sponsored by Anthony E. Loubet (Republican) and Calvin R. Musselman (Republican).
What is the current status of SB 74?
This bill has been enacted into law. Introduced November 18, 2025. Enacted.
Where can I track SB 74?
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