Utah Code » Title 41, Chapter 12a — Financial Responsibility of Motor Vehicle Owners and Operators Act; part 41-12a-4 — Proof of Owner's or Operator's Security
Utah Code

Utah Code § 41-12a-407 (2026)

Certificate of self-funded coverage as proof of owner's or operator's security

✓ current as of May 2026
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The department may, upon the application of any person, issue a certificate of self-funded coverage when it is satisfied that the person has:
more than 24 motor vehicles; and
deposits, in a form approved by the department, securities in an amount of $200,000 plus $100 for each motor vehicle up to and including 1,000 motor vehicles and $50 for every motor vehicle over 1,000 motor vehicles.
Persons holding a certificate of self-funded coverage under this chapter shall pay benefits to persons injured from the self-funded person's operation, maintenance, and use of motor vehicles as would an insurer issuing a policy to the self-funded person containing the coverages under Section 31A-22-302.
In accordance with Title 63G, Chapter 4, Administrative Procedures Act, the department may, upon reasonable grounds, cancel the certificate. Failure to pay any judgment up to the limit under Subsection 31A-22-304(2) within 30 days after the judgment is final is a reasonable ground to cancel the certificate.
Any government entity with self-funded coverage for government-owned motor vehicles under Title 63G, Chapter 7, Governmental Immunity Act of Utah, meets the requirements of this section.
Notes of Decisions
Cited in 5 cases, 1989–2006 · leading case: Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006).
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Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). · cites it 6× “Like any motor vehicle owner, a rental car company may meet this security requirement by acting as a self-insurer if it meets the requirements of Utah Code section 41-12a-407, 18 but in such cases it will be required to pay benefits as if it were its own insurance provider.”
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). · cites it 12× “Proof of such security is required by law and may be satisfied by any of the following: (a) a certificate of insurance under Section 41-12a-402 or 41-12a-403; (b) a copy of a surety bond under Section 41-12a-405; (c) a certificate of deposit of money or securities issued by the…”
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). · cites it 6× “t to the minimum coverage limits and other requirements of policies conforming to Section 31A-22-302, which names the department as a creditor *583 under the bond for the use of persons entitled to the proceeds of the bond; (c) a deposit with the state treasurer of cash or…”
Neel v. State, 889 P.2d 922 (Utah 1995). “See § 41-12a-407(2) (self-insurers “shall pay benefits to persons injured from the self-funded person’s operation, maintenance, and use of motor vehicles as would an insurer issuing a policy to the self-funded person”); Neel v.”
United States Fid. & Guar. Co. v. United States, 728 F. Supp. 651 (D. Utah 1989). “surety is subject to the minimum coverage limits and other requirements of policies conforming to § 31A-22-302, which names the department as a creditor under the bond for the use of persons entitled to the proceeds of the bond; (c) a deposit with the state treasurer of case or…”
— Utah Code § 41-12a-407(2) — 3 cases
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). “Like any motor vehicle owner, a rental car company may meet this security requirement by acting as a self-insurer if it meets the requirements of Utah Code section 41-12a-407, 18 but in such cases it will be required to pay benefits as if it were its own insurance provider.”
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). “t to the minimum coverage limits and other requirements of policies conforming to Section 31A-22-302, which names the department as a creditor *583 under the bond for the use of persons entitled to the proceeds of the bond; (c) a deposit with the state treasurer of cash or…”
Neel v. State, 889 P.2d 922 (Utah 1995). “See § 41-12a-407(2) (self-insurers “shall pay benefits to persons injured from the self-funded person’s operation, maintenance, and use of motor vehicles as would an insurer issuing a policy to the self-funded person”); Neel v.”
— Utah Code § 41-12a-407(l) — 1 case
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). “Proof of such security is required by law and may be satisfied by any of the following: (a) a certificate of insurance under Section 41-12a-402 or 41-12a-403; (b) a copy of a surety bond under Section 41-12a-405; (c) a certificate of deposit of money or securities issued by the…”
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