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7411.0270 MOTOR VEHICLE INSURANCE.

Subpart 1.

General requirements.

If a driver education program allows a student to operate a motor vehicle for laboratory instruction, the program must provide the motor vehicle insurance specified in this part.

A.

At the time of application for program licensure or program approval, the program must file with the commissioner evidence of liability insurance obtained from a company authorized to do business in Minnesota.

B.

The program must furnish evidence of coverage to the commissioner in the form of an original certificate of insurance from the insurance company demonstrating the required amount of insurance under this part and demonstrating that the insurance may not be canceled or terminated, except upon 30 days' prior written notice to the commissioner.

C.

If the insurance is canceled, then on the date the insurance cancellation becomes effective the program's certificate of approval is withdrawn automatically or the program license is revoked automatically.

(1)

All motor vehicles used for instruction in a program may not be used for program purposes unless the program obtains adequate insurance coverage and notifies the commissioner of the coverage, and the commissioner notifies the program in writing that the program's certificate of approval or program license has been reinstated.

(2)

When motor vehicle insurance is provided by an instructor or motor vehicle lessor and the vehicle insurance is canceled, the motor vehicle must immediately be removed from the program's approved motor vehicle list as filed with the commissioner. If the vehicle is not removed from service, the program's certificate of approval is withdrawn automatically or the program license is revoked automatically.

(3)

A program whose certificate of approval has been withdrawn or whose license has been revoked may reapply for a license or certificate upon meeting the insurance requirements under this part.

Subp. 2.

Class A, B, C, and D vehicles.

A program providing instruction in a class A, B, C, or D motor vehicle must maintain insurance or demonstrate insurance coverage in the amounts of:

A.

at least $250,000 because of bodily injury to, or death of, any one person in any one accident;

B.

at least $500,000 because of bodily injury to, or death of, two or more persons in any one accident;

C.

at least $100,000 because of damage to, or destruction of, property of others in any one accident;

D.

at least $40,000 for medical expenses; and

E.

at least the minimum amount of uninsured motorist coverage, when any portion of the program instruction is conducted on public streets.

Subp. 3.

Motorcycles.

A program providing motorcycle instruction must maintain insurance or demonstrate insurance coverage in the amounts of:

A.

at least $100,000 because of bodily injury to, or death of, any one person in any one accident;

B.

at least $300,000 because of bodily injury to, or death of, two or more persons in any one accident;

C.

at least $50,000 because of damage to, or destruction of, property of others in any one accident;

D.

at least $20,000 for medical expenses; and

E.

at least the minimum amount of uninsured motorist coverage, when any portion of the program instruction is conducted on public streets.

Statutory Authority:

MS s 14.06; 169.26; 169.446; 169.974; 171.02; 171.05; 171.055; 171.0701; 171.33 to 171.41; 299A.01

History:

28 SR 1167

Published Electronically:

April 14, 2004