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This bill would create new rules for how injury claims against Utah drivers are handled when someone seeks to settle for the at-fault driver's insurance policy limits. Demand letters sent to insurers would need to include the incident details, injuries, legal basis for the claim, and supporting medical records, along with at least 30 days for the insurer to respond, though expert reports or attorney work product would not be required. If the insurer declines to pay the policy limits and the injured party plans to sue the driver directly, any written communication to an unrepresented driver would have to explain the claims, disclose that the parties' interests are adverse, describe the driver's right to have the insurer and independent legal counsel review the case, and — if the claim seeks damages beyond the policy limit — explain the driver's rights regarding potential court judgments and, if relevant, how judgment liens work; the driver could not be sued for at least 45 days after receiving this notice, except when needed to preserve legal deadlines. Insurers, in turn, would have 30 days after receiving a copy of that correspondence to give the driver written disclosure of whether they will defend the driver and whether they will cover a judgment up to the policy limit or beyond it, along with an explanation if coverage is capped and notice of the driver's right to seek independent legal advice. The bill specifies that these disclosures don't change actual insurance coverage, that failing to follow these procedures doesn't block a lawsuit or create a new legal claim on its own, and that existing legal duties, rights, and remedies related to insurers acting in good faith remain unchanged.