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COLO. REV. STAT. 10-4-706 (1) (a) (1997). Part 7 shows a legal minimum for liability over fifteen thousand for an accident. Id 345th'916 A 2d. 810 ( Vt. 1998).

"" AThe provision is contained in S.B. 76, 52 Leg. (Utah 1994) amending Utah Code Ann. 31A-22-314 (1994).

"111The particular section reads as follows:" (1) A landlord must be renters with primary coverage meeting the requirements of Title 41, Chapter 12a, the financial responsibility of the vehicle owner and operator of law, unless there are other valid or collective insurance products "."

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'2 Ariz. REV. STAT. 28-2166 (A) (1998) reads as follows: The Department of Transportation will not allow an owner who is familiar with the business of leasing or renting, intending to drive a vehicle without a driver to bring the car up either: (1) The owner has procured liability insurance with an insurance company

Companies by the Department of Insurance. (2) The owner has furnished to the Department of Transportation an appropriate proof of ownership in a position to respond for damages in the amount of fifteen thousand U.S. dollars, if a vehicle is registered, and ten thousand U.S. dollars for each additional vehicle. The proof of the capacity in which damages in the amount of one hundred thousand dollars to be sufficient for any number of motor vehicles.

"" 3677 P.2d 1309 (Ariz Ct. App. 1983).

"41d. in 1310th

"" ID. (Quoting Lowry v. Tucson Diesel, Inc., 498 P.2d 160 (Ariz Ct. App. 1972). 116,549 NW2d 345 (Mich. 1996). "" The provision reads:

Due to the tenant and owner representatives signature, this provision is a part of the rental agreement. No insurance or protection is provided by ownerrenter offers all insurance services. Tenant warrants that it has a policy of automobile insurance for the rented car collision, comprehensive and liability, and is not a risk.

Id at 347th

"" The law reads:

The owner or registrant of a motor vehicle required to be registered in this state to maintain security for the payment of benefits under personal protection insurance, property insurance, liability insurance and residual materials. Security will only be required to be in effect at the time of the vehicle or on the highway.

Me. COMP. LEGISLATION. 500.3101 (1) (1998) "" "" State Farm Mut., 549 NW2dd on 348th 120573 N.W.2d 686 (Minn. 1998).

James A. Gallagher, Jr., has a degree from the University of Notre Dame and a law degree from Georgetown University Law Center. He is active in insurance, aviation, automobile, truck, product liability, general tort, employment and commercial litigation for national and multinational clients. Mr. Gallagher has represented airlines and manufacturers of multi-district litigation disaster and has represented employers in civil rights, discrimination, injustice discharge employee relations and other issues. Mr. Gallagher, at the American Bar Association and the New York State Bar Association insurance, aviation and product liability committees (the