Bill > HB2324

This bill creates new regulations for automobile insurers regarding the collection and use of driving data, which is information gathered by a vehicle's telematics system about its operation, such as location, speed, diagnostic information, and driving behaviors. The bill requires insurers to obtain explicit written consent from a vehicle's owner or primary driver before purchasing or obtaining driving data from third parties. Insurers must provide clear disclosures about the types of data being collected, how it will be collected, and the potential impact on insurance premiums. The legislation prohibits insurers from denying coverage, canceling policies, or increasing premiums solely because an owner refuses to share driving data. Insurers are also restricted from selling or sharing collected driving data with third parties for non-insurance purposes and must allow vehicle owners to request copies of their driving data. The director of the department of commerce and insurance is granted authority to enforce these provisions, impose fines for violations, and develop necessary regulations. The bill aims to protect consumers' privacy and provide transparency in how automobile insurers collect and use vehicle operational data.

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https://house.mo.gov/Bill.aspx?bill=HB2324&year=2026&code=R