Bill > HB1647

This bill modifies existing Missouri state law regarding civil damages and insurance payments by establishing new provisions to prevent double recovery of damages. The bill clarifies that if a defendant or their insurer pays part or all of a plaintiff's special damages prior to trial, those paid portions cannot be recovered again in the legal proceeding. Additionally, the bill introduces a new provision that if a defendant or their insurer reimburses a plaintiff's insurer for a deductible or damages before a liability claim is filed, those reimbursed amounts cannot be recovered again if doing so would create a potential double recovery. The legislation also allows defendants who make such payments to receive a credit for those payments in the final judgment and permits parties to introduce evidence of the actual cost of medical care, defining "actual cost" as the amount paid plus any remaining financial obligation after contractual discounts or write-offs. This bill aims to prevent plaintiffs from receiving compensation for the same damages from multiple sources and to provide more transparency in calculating medical expense damages in civil litigation.

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https://house.mo.gov/Bill.aspx?bill=HB1647&year=2026&code=R