Bill > HB1108

This bill mandates that all automobile liability insurance policies in Mississippi must include uninsured motorist coverage without the option for policyholders to reject such coverage. Currently, the law allows insureds to decline uninsured motorist coverage for both bodily injury and property damage by signing a waiver form. The proposed changes remove language that permits policyholders to opt out of this coverage, effectively making uninsured motorist protection mandatory in all auto insurance policies. The bill maintains existing provisions that allow insureds to choose coverage limits up to their policy's bodily injury or property damage liability limits. Uninsured motorist coverage protects drivers in situations where they are involved in an accident with a driver who has no insurance or insufficient insurance to cover damages. The bill aims to ensure that all Mississippi drivers have a basic level of protection against potential financial losses from accidents with uninsured motorists. The legislation would take effect immediately upon passage.

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https://billstatus.ls.state.ms.us/2025/pdf/history/HB/HB1108.xml