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Utah law sets minimum amounts that car insurance policies must cover when someone is injured or killed in an accident, with current per-person minimums of $30,000 for policies issued after January 1, 2025 (or $25,000 for self-insured private rental fleets). This bill would change that structure so the minimum coverage applies not just to the person who died, but to each of that person's legal heirs — family members who may have a wrongful-death claim — meaning insurers could be required to pay out the minimum amount per heir rather than a single amount for the deceased person overall. The bill also makes minor wording changes elsewhere in the law, such as replacing the term "person" with "individual," without altering their meaning. If passed, these changes would take effect May 6, 2026.