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HB 1108

Uninsured motorist coverage; provide that coverage is mandatory in every automobile liability insurance policy.

2025 Regular Session Introduced by Percy Watson

Mississippi bill requiring uninsured motorist coverage in all auto insurance policies to protect drivers from uninsured accidents, but raising insurance costs statewide.

Died In Committee
#insurance
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WeVote Research Nonpartisan
Bill Summary · HB 1108

Legislative bill overview

HB 1108 would mandate that every automobile liability insurance policy issued in Mississippi include uninsured motorist coverage. Currently, this coverage is optional in Mississippi, allowing drivers to decline it. The bill would eliminate that choice, making such protection a required component of all auto insurance policies sold in the state.

Why is this important

Uninsured motorist coverage protects drivers when hit by someone without insurance or adequate coverage—a significant concern since roughly 1 in 8 drivers nationally lacks insurance. Mandatory coverage would ensure all Mississippi drivers have baseline protection without having to actively select it, potentially reducing medical and financial hardship from uninsured accident claims. However, it would also increase insurance premiums for all drivers, including those who might not want or afford additional coverage.

Potential points of contention

  • Cost impact: Mandating coverage raises insurance premiums for all policyholders, disproportionately affecting lower-income drivers who may struggle with higher costs
  • Personal choice: Removing the option to decline coverage restricts consumer autonomy in selecting insurance products that fit their specific needs and budgets
  • Market effects: Insurance companies may adjust pricing or coverage options in response, potentially affecting market competition and policy availability in Mississippi

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

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