Any state law that addresses the manner in which third-party liability or first-party indemnity coverage must be offered, provided, or maintained with respect to a motor vehicle (e.g., a financial responsibility, compulsory insurance, uninsured/underinsured motorists (UM/UIM), or personal injury protection (PIP) law).

In determining the distinction between what is an “auto” and thus covered under an auto liability policy and what is “mobile equipment” and thus subject to coverage under a commercial general liability (CGL) policy, it is important to note that any statute that could have a bearing on whether a court of law would find that a particular piece of equipment is a motor vehicle for purposes of determining liability would be included in the term “other motor vehicle insurance law.”


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