Minneslate Logo

HF3106 (Legislative Session 94 (2025-2026))

Fines for failure to provide vehicle insurance increased.

Related bill: SF1179

AI Generated Summary

Purpose of the Bill

The bill aims to address issues related to vehicle insurance compliance in Minnesota by increasing fines for individuals who fail to provide proof of vehicle insurance. This initiative seeks to enhance road safety and ensure that all motorists have adequate insurance coverage.

Main Provisions

  • Increased Fines: The bill proposes raising the fines for driving without vehicle insurance. The fines are:

    • A minimum of $200 and up to $300 for the first offense.
    • A minimum fine of $550 for a second offense within ten years.
    • A minimum of $850 for a third offense within ten years.

  • Proof of Insurance: If a driver can provide proof of insurance by their first court appearance, they will not be convicted. Drivers can mail their proof, provided it is received before the court date.

  • Responsibilities for Non-Owners: If the driver is not the owner, they must provide either proof of insurance or the owner's contact information. The vehicle owner must then provide proof of insurance within ten days of receiving notice from law enforcement.

  • Insurance Verification: Law enforcement will notify owners to produce proof of insurance, and if the owner fails to comply within the specified period, it results in a misdemeanor.

  • Penalties for Conviction: Convicted drivers may face license suspension for up to 12 months, and if they own the vehicle, the registration may be suspended as well. Before reinstatement, proof of insurance must be submitted.

  • Consecutive Sentencing: The court can impose consecutive sentences for crimes emerging from a single incident, based on applicable laws.

Significant Changes to Existing Law

This bill amends the current law by increasing penalties for not having vehicle insurance, introducing stricter minimum fine amounts, and establishing procedures for proving insurance coverage. It also mandates license and registration suspension for violators, adding further consequences beyond the financial penalties.

Relevant Terms

  • Vehicle insurance
  • Fines
  • Proof of insurance
  • Misdemeanor
  • Gross misdemeanor
  • License revocation
  • Registration revocation

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
April 02, 2025HouseFloorActionIntroduction and first reading, referred toTransportation Finance and Policy
April 02, 2025HouseFloorActionIntroduction and first reading, referred toTransportation Finance and Policy

Citations

 
[
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This bill increases the fines for failure to provide vehicle insurance under section 169.797, subdivision 4.",
      "modified": [
        "Increases the minimum fines for violations occurring within specified periods after prior convictions and provides conditions for community service in lieu of fines for indigent defendants."
      ]
    },
    "citation": "169.797",
    "subdivision": "subdivision 4"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "References the definition of substantial bodily harm in the context of vehicle accidents.",
      "modified": []
    },
    "citation": "609.02",
    "subdivision": "subdivision 7a"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Referenced in relation to previous convictions for insurance violations.",
      "modified": []
    },
    "citation": "169.791",
    "subdivision": ""
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Mentioned concerning the defense against a charge for failing to notify a change of name or address.",
      "modified": []
    },
    "citation": "171.11",
    "subdivision": ""
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Pertains to the imposition of consecutive sentences for offenses arising from a single course of conduct.",
      "modified": []
    },
    "citation": "609.035",
    "subdivision": "subdivision 2"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Concerns the security requirements for reinstating a driver's license or registration.",
      "modified": []
    },
    "citation": "65B.48",
    "subdivision": ""
  }
]

Sponsors