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Bill

HB 382

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

2026 Regular Session

Mississippi would require all auto liability insurance policies to include uninsured motorist coverage, mandating broader protection but raising insurance costs for all drivers.

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WeVote Research Nonpartisan
Bill Summary · HB 382

Legislative bill overview

HB 382 would mandate that every automobile liability insurance policy in Mississippi include uninsured motorist coverage as a required component. Currently, uninsured motorist coverage is optional in Mississippi, meaning drivers can purchase liability insurance without this protection. This bill would eliminate that choice and make the coverage standard across all policies.

Why is this important

Uninsured motorist coverage protects drivers when they're hit by someone without insurance—a significant risk given that Mississippi has one of the highest uninsured driver rates in the nation. Making this coverage mandatory ensures broader financial protection for accident victims but will increase insurance premiums for all policyholders, including those who can least afford it.

Potential points of contention

  • Cost impact: Mandatory coverage will increase insurance premiums for all drivers, potentially affecting affordability for low-income households and individuals already struggling with insurance costs
  • Consumer choice vs. protection: The bill eliminates individual choice in selecting coverage, with insurance industry likely arguing consumers should decide what protection suits their needs and budget
  • Existing coverage gaps: Critics may question whether mandates address root causes (like enforcement against uninsured drivers) or simply shift costs to compliant, insured motorists

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

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