Bill > HB1274

This bill prohibits insurance companies from increasing rates, adding surcharges, canceling, or refusing to renew motor vehicle insurance policies based on "nonfault incidents," which are defined as accidents or collisions where the insured driver was not at fault, regardless of whether they were reported to law enforcement. If an insurer violates these provisions, they must refund any excess premium paid by the insured and pay a penalty equal to triple the refund amount or $1,000, whichever is greater, and the insured may also recover attorney fees. The bill also amends existing Mississippi law to explicitly state that nonfault incidents cannot be the sole basis for denying an insurance application or determining rates, and insurers cannot require another company to cover such incidents solely based on them. Furthermore, insurers are prohibited from canceling a policy or failing to renew it due to nonfault incidents, and insured individuals cannot be transferred to affiliated companies solely for this reason.

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https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1274.xml