Bill > HB1109

This bill amends Mississippi's automobile insurance law to automatically set uninsured motorist coverage limits equal to the policy's bodily injury and property damage liability coverage limits, starting July 1, 2025. Specifically, for both bodily injury and property damage uninsured motorist coverage, the limits will now be identical to the corresponding liability coverage limits unless the insured specifically chooses, in writing, to have lower limits. However, these lower limits cannot be less than the minimum coverage requirements set by the Mississippi Motor Vehicle Safety Responsibility Law. The insured can select lower limits when initially purchasing a policy or during renewal, and once selected, these lower limits can continue in subsequent policies issued by the same insurer unless the insured requests different coverage in writing. The bill also maintains existing provisions that allow insureds to reject uninsured motorist coverage entirely, but requires insurers to inform customers about the benefits of such coverage. This change aims to provide clearer and potentially more comprehensive protection for drivers in case of accidents with uninsured motorists.

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https://billstatus.ls.state.ms.us/2025/pdf/history/HB/HB1109.xml