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motor vehicle insurance law

A motor vehicle insurance law is any state law that addresses the manner in which third-party liability or first-party indemnity coverage must be offered, provided, or maintained with respect to a motor vehicle (e.g., a financial responsibility, compulsory insurance, uninsured/underinsured motorists (UM/UIM), or personal injury protection (PIP) law).

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Additional Information

In determining the distinction between what is an "auto" and thus covered under an auto liability policy and what is "mobile equipment" and thus subject to coverage under a commercial general liability (CGL) policy, it is important to note that any statute that could have a bearing on whether a court of law would find that a particular piece of equipment is a motor vehicle for purposes of determining liability would be included in the term "other motor vehicle insurance law." Thus, a motor vehicle registration law could be considered a motor vehicle insurance law.

Related Terms

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