Bill > HB2082

This bill modifies provisions related to motor vehicle liability insurance coverage by increasing the minimum liability insurance requirements. Specifically, the bill raises the proof of financial responsibility and motor vehicle liability policy limits from $25,000 to $50,000 for bodily injury or death of one person, from $50,000 to $100,000 for bodily injury or death of two or more persons, and from $25,000 to $50,000 for property damage in any one accident. The changes affect how insurance policies are defined, what they must cover, and the minimum amounts insurers must provide. The bill also updates definitions of key terms like "motor vehicle," "operator," and "owner," and maintains existing provisions about insurance carrier responsibilities, such as the ability to settle claims in good faith and the conditions under which policies can be interpreted. Additionally, the bill makes a technical change to the section about underinsured motor vehicle coverage, though the precise impact of this change is not entirely clear from the text. These modifications aim to ensure more comprehensive financial protection for individuals involved in motor vehicle accidents by increasing the mandatory insurance coverage limits.

https://house.mo.gov/Bill.aspx?bill=HB2082&year=2026&code=R