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SB 1438

SB 1438 - This act modifies the required amount of motor vehicle liability insurance. The required amount of coverage for bodily injury or death is increased from $25,000 to $50,000 for one person, and from $50,000 to $100,000 for bodily injury or death to two or more persons in any one accident, and from $25,000 to $50,000 for injury to or destruction of property of others in any one accident. Currently, any underinsured motor vehicle coverage with less than two times the limits for bodily injury or death under current law shall be construed to provide coverage in excess of the liability coverage of any underinsured motor vehicle involved in the accident. This act provides that any underinsured motor vehicle coverage shall be construed to provide coverage in excess of the liability coverage of any motor vehicle involved in the accident. This act is identical to SB 1289 (2026) and HB 2082 (2026). TAYLOR MIDDLETON

2026 Regular Session Introduced by Nick Schroer

SB 1438 modifies Missouri motor vehicle liability insurance requirements, affecting driver coverage obligations and financial responsibility standards.

Second Read and Referred S Insurance and Banking Committee
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WeVote Research Nonpartisan
Bill Summary · SB 1438

Legislative bill overview

SB 1438 modifies Missouri's motor vehicle liability insurance requirements and regulations. The bill adjusts coverage minimums, policy provisions, or enforcement mechanisms related to auto insurance. The specific modifications would affect how drivers must obtain and maintain liability coverage.

Why is this important

Motor vehicle liability insurance is a foundational consumer protection that covers damages drivers cause to others' property and injuries. Changes to insurance requirements directly impact affordability, coverage accessibility, and financial protection for accident victims across the state. This affects millions of Missouri drivers and their financial risk exposure.

Potential points of contention

  • Coverage minimums adjustments – Raising minimums increases driver costs; lowering them reduces victim protection in accidents
  • Policy requirement clarity – Changes to enforcement or exemptions could create gaps in coverage or compliance confusion
  • Insurance market impact – Modifications may affect insurance availability and pricing in underserved or rural areas

Compiled from official sources — confirm details with the bill’s official record.

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