Subdivision 1.

Grounds and notice.

No cancellation or reduction in the limits of liability
of coverage during the policy period of any policy shall be effective unless notice thereof
is given and unless based on one or more reasons stated in the policy which shall be limited
to the following:

deleted text begin 1.deleted text endnew text begin (1)new text end nonpayment of premium; deleted text beginor
deleted text end

deleted text begin 2.deleted text endnew text begin (2)new text end the policy was obtained through a material misrepresentation; deleted text beginor
deleted text end

deleted text begin 3.deleted text endnew text begin (3)new text end any insured made a false or fraudulent claim or knowingly aided or abetted another
in the presentation of such a claim; deleted text beginor
deleted text end

deleted text begin 4.deleted text endnew text begin (4)new text end the named insured failed to disclose fully motor vehicle accidents and moving
traffic violations of the named insured for the preceding 36 months if called for in the written
application; deleted text beginor
deleted text end

deleted text begin 5.deleted text endnew text begin (5)new text end the named insured failed to disclose in the written application any requested
information necessary for the acceptance or proper rating of the risk; deleted text beginor
deleted text end

deleted text begin 6.deleted text endnew text begin (6)new text end the named insured knowingly failed to give any required written notice of loss or
notice of lawsuit commenced against the named insured, or, when requested, refused to
cooperate in the investigation of a claim or defense of a lawsuit; deleted text beginor
deleted text end

deleted text begin 7.deleted text endnew text begin (7)new text end the named insured or any other operator who either resides in the same household,
or customarily operates an automobile insured under such policy, unless the other operator
is identified as a named insured in another policy as an insured:

deleted text begin (a)deleted text endnew text begin (i)new text end has, within the 36 months prior to the notice of cancellation, had that person's
driver's license under suspension or revocation because the person committed a moving
traffic violation or because the person refused to be tested under section 169A.20, subdivision
1; deleted text beginor
deleted text end

deleted text begin (b)deleted text endnew text begin (ii)new text end is or becomes subject to epilepsy or heart attacks, and such individual does not
produce a written opinion from a physician testifying to that person's medical ability to
operate a motor vehicle safely, such opinion to be based upon a reasonable medical
probability; deleted text beginor
deleted text end

deleted text begin (c)deleted text endnew text begin (iii)new text end has an accident record, conviction record (criminal or traffic), physical condition
or mental condition, any one or all of which are such that the person's operation of an
automobile might endanger the public safety; deleted text beginor
deleted text end

deleted text begin (d)deleted text endnew text begin (iv)new text end has been convicted, or forfeited bail, during the 24 months immediately preceding
the notice of cancellation for criminal negligence in the use or operation of an automobile,
or assault arising out of the operation of a motor vehicle, or operating a motor vehicle while
in an intoxicated condition or while under the influence of drugs; or leaving the scene of
an accident without stopping to report; or making false statements in an application for a
driver's license, or theft or unlawful taking of a motor vehicle; or

deleted text begin (e)deleted text endnew text begin (v)new text end has been convicted of, or forfeited bail for, one or more violations within the 18
months immediately preceding the notice of cancellation, of any law, ordinance, or rule
which justify a revocation of a driver's license; or

deleted text begin 8.deleted text endnew text begin (8)new text end the insured automobile is:

deleted text begin (a)deleted text endnew text begin (i)new text end so mechanically defective that its operation might endanger public safety; deleted text beginor
deleted text end

deleted text begin (b)deleted text endnew text begin (ii)new text end used in carrying passengers for hire or compensation, deleted text beginprovided howeverdeleted text endnew text begin exceptnew text end
that the use of an automobile for a car pool deleted text beginshalldeleted text endnew text begin or by a public transit participation program
(PTPP) volunteer driver isnew text end not deleted text beginbedeleted text end considered use of an automobile for hire or compensation;
deleted text begin or
deleted text end

deleted text begin (c)deleted text endnew text begin (iii)new text end used in the business of transportation of flammables or explosives; deleted text beginor
deleted text end

deleted text begin (d)deleted text endnew text begin (iv)new text end an authorized emergency vehicle; deleted text beginor
deleted text end

deleted text begin (e)deleted text endnew text begin (v)new text end subject to an inspection law and has not been inspected or, if inspected, has failed
to qualify within the period specified under such inspection law; or

deleted text begin (f)deleted text endnew text begin (vi)new text end substantially changed in type or condition during the policy period, increasing
the risk substantially, such as conversion to a commercial type vehicle, a dragster, sports
car or so as to give clear evidence of a use other than the original use.

Subd. 12.

Commercial vehicle.

new text begin(a) new text end"Commercial vehicle" means:

deleted text begin (a)deleted text endnew text begin (1)new text end any motor vehicle used as a common carrierdeleted text begin,deleted text endnew text begin;
new text end

deleted text begin (b)deleted text endnew text begin (2)new text end any motor vehicle, other than a passenger vehicle defined in section 168.002,
subdivision 24, which has a curb weight in excess of 5,500 pounds apart from cargo capacitydeleted text begin,deleted text endnew text begin;new text end
or

deleted text begin (c)deleted text endnew text begin (3)new text end any motor vehicle while used in the for-hire transportation of property.

new text begin (b) new text endCommercial vehicle does not include a "commuter van," which for purposes of this
chapter shall mean a motor vehicle having a capacity of seven to 16 persons which is used
principally to provide prearranged transportation of persons to or from their place of
employment or to or from a transit stop authorized by a local transit authority which vehicle
is to be operated by a person who does not drive the vehicle as a principal occupation but
is driving it only to or from the principal place of employment, to or from a transit stop
authorized by a local transit authority or for personal use as permitted by the owner of the
vehicle.

new text begin (c) Commercial vehicle does not include a vehicle when used by a PTPP volunteer driver
while providing transportation services.
new text end

Subd. 1a.