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HF 2603

as introduced - 93rd Legislature (2023 - 2024) Posted on 03/06/2023 11:41am

KEY: stricken = removed, old language.
underscored = added, new language.

Current Version - as introduced

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A bill for an act
relating to insurance; prohibiting household exclusions in policies of automotive
insurance; proposing coding for new law in Minnesota Statutes, chapter 65B.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

new text begin [65B.137] HOUSEHOLD EXCLUSIONS.
new text end

new text begin Subdivision 1. new text end

new text begin Definitions. new text end

new text begin (a) For purposes of this section, the following terms have
the meanings given them.
new text end

new text begin (b) "Household exclusion" means an exclusion for, limitation on, or reduction of insurance
coverage for bodily injury based on the injured person's status as a resident of the insured's
household or as a relative of the insured. For purposes of this section, a person resides in
the same household with the insured if the person's home is usually in the same family unit,
even if the person is temporarily living elsewhere.
new text end

new text begin (c) "Insured" means an insured under a policy of automobile insurance, as defined in
section 65B.14, subdivision 2, regardless of whether the insured is identified by name in
the policy.
new text end

new text begin (d) "Relative" means, with respect to an insured:
new text end

new text begin (1) a spouse, including a domestic partner in a civil union or other registered domestic
partnership recognized by the state, and a spouse's parent;
new text end

new text begin (2) a child and a child's spouse;
new text end

new text begin (3) a parent and a parent's spouse;
new text end

new text begin (4) a sibling and a sibling's spouse;
new text end

new text begin (5) a grandparent, a grandchild, or a spouse of a grandparent or grandchild; or
new text end

new text begin (6) any other individual who is related to the insured by blood or affinity and whose
association with the insured is equivalent of a family relationship, including but not limited
to:
new text end

new text begin (i) a child of a sibling of the insured;
new text end

new text begin (ii) a sibling of the parents of the insured; and
new text end

new text begin (iii) a child-in-law, a parent-in-law, a sibling-in-law, and a grandparent-in-law.
new text end

new text begin (e) For the purposes of this section:
new text end

new text begin (1) a child includes but is not limited to a stepchild; biological, adopted, or foster child
of the insured; or a child for whom the insured is standing or stood in loco parentis;
new text end

new text begin (2) a grandchild includes a stepgrandchild or biological, adopted, or foster grandchild
of the insured;
new text end

new text begin (3) a parent includes a stepparent; biological, adoptive, or foster parent of the insured;
a legal guardian; or an individual who stood in loco parentis to the insured; and
new text end

new text begin (4) a grandparent includes a stepgrandparent or biological, adoptive, or foster grandparent
of the insured.
new text end

new text begin Subd. 2. new text end

new text begin Prohibition on household exclusion. new text end

new text begin (a) A policy of automobile insurance,
as defined in section 65B.14, must not contain a household exclusion. A household exclusion
in a policy of automobile insurance is void.
new text end

new text begin (b) Notwithstanding paragraph (a), a policy of automobile insurance may contain a
household exclusion solely for insurance coverage for bodily injury resulting from fraud,
intentional or criminal conduct, and other exclusions expressly permitted by law.
new text end

new text begin Subd. 3. new text end

new text begin Prohibition on increasing premium costs. new text end

new text begin An insurance company issuing or
reissuing a policy in Minnesota is prohibited from increasing the premium charged to an
insured as a result of this section.
new text end

new text begin Subd. 4. new text end

new text begin No endorsement required. new text end

new text begin An endorsement, rider, or contract amendment is
not required for this section to be effective with respect to policies in effect on August 1,
2023.
new text end

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective August 1, 2023, and applies to all policies
of automobile insurance in effect on or after that date.
new text end