Minnesota Statutes

Minn. Stat. § 65B.14 (2026)

Definitions

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Subdivision 1.Application.

For the purposes of sections 65B.14 to 65B.21, the terms defined in this section have the meanings given them.

Subd. 2.Policy of automobile insurance or policy.

"Policy of automobile insurance" or "policy" means a policy of private passenger vehicle insurance as defined in section 65B.001, or a plan of reparation security as defined in section 65B.48 insuring less than five vehicles rated on a commercial or fleet basis, or a policy of insurance covering the use of a motorcycle, delivered or issued for delivery in this state.

Subd. 3.Renewal or to renew.

"Renewal" or "to renew" means the issuance and delivery by an insurer of a policy superseding at the end of the policy period a policy previously issued and delivered by the same insurer on the same rating plan, or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term; provided, however, that any policy with a policy period or term of less than six months or any policy with no fixed expiration date shall for the purpose of sections 65B.14 to 65B.21 be considered as if written for successive policy periods or terms of six months.

Subd. 4.Nonpayment of premium.

"Nonpayment of premium" means failure of the named insured to discharge when due any obligations in connection with the payment of premiums on a policy of automobile insurance or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.

Subd. 5.Violations.

"Violations" means all moving traffic violations that are recorded by the Department of Public Safety on a household member's motor vehicle record, and violations reported by a similar authority in another state or moving traffic violations reported by the insured.

Notes of Decisions

Cited in 7 cases, 1977–1998 · leading case: Dairyland Ins. Co. v. Neuman, 338 N.W.2d 37 (Minn. 1983).

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Dairyland Ins. Co. v. Neuman, 338 N.W.2d 37 (Minn. 1983). · cites it 30× “The primary issue, an issue of first impression in Minnesota, is whether Minn.Stat. § 65B.14, subd. 3, which provides "that any policy with a policy period or term of less than six months * * * shall for the purpose of sections 65B.”

Anderson v. Illinois Farmers Ins. Co., 269 N.W.2d 702 (Minn. 1978). · cites it 4× “(a) No policy of automobile liability insurance as defined in section 65B.14, written or renewed after July 1, 1969, shall contain an exclusion of liability for damages for bodily injury solely because the injured person is a resident or member of an insured’s household or…”

Caduff v. Universal Underwriters Ins. Co., 381 N.W.2d 9 (Minn. Ct. App. 1986). · cites it 6× “Caduff’s contention is based on Minn.Stat. § 65B.14, subd. 4, which provides: “Nonpayment of premium” means failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on a policy of automobile insurance or any installment…”

Royal Ins. Co. v. W. Cas. Ins. Co., 444 N.W.2d 846 (Minn. Ct. App. 1989). · cites it 2× “1983) (applying Minn.Stat. §§ 65B.14, subd. 3; 65B.15, subd.”

Evans v. Gov't Employees Ins. Co., 257 N.W.2d 689 (Minn. 1977). “Such notice shall accompany or be included in the notice of nonrenewal, cancellation or reduction in the limits of liability of coverage, and shall state that such notice of the insured’s right of complaint to the commissioner and of the availability of insurance through the…”

State v. Mayard, 573 N.W.2d 707 (Minn. Ct. App. 1998). · cites it 2× “Proof of insurance is defined as an insurance identification card, written statement, or insurance policy as defined by section 65B.14, subdivision 2. Minn.Stat.”

Lindquist v. State Farm Mut. Auto. Ins. Co., 415 N.W.2d 28 (Minn. Ct. App. 1987). · cites it 4× “The trial court erred in applying Minn. Stat. § 65B.17, subd. 1, to this case.”

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