WeVote
Log In

Bill

Bill

HB 1109

Uninsured motorist coverage; provide that limits will be equal to liability coverage unless insured selects otherwise.

2025 Regular Session Introduced by Percy Watson

HB 1109 mandates uninsured motorist coverage limits match liability limits unless drivers opt for lower coverage, expanding accident victim protection but potentially increasing insurance costs.

Died In Committee
#insurance
0
WeVote Research Nonpartisan
Bill Summary · HB 1109

Legislative bill overview

HB 1109 would require uninsured motorist (UM) coverage limits to automatically match a driver's liability coverage limits unless the insured explicitly chooses lower limits. Currently, insurers can sell UM coverage with limits lower than liability coverage, creating a gap in protection when hit by uninsured drivers.

Why is this important

This bill directly affects accident victims' financial protection. When an uninsured driver causes injury, UM coverage is the victim's only source of compensation from their own insurer. Mismatched limits leave drivers underprotected—they might have $100,000 in liability coverage but only $25,000 in UM protection, meaning they'd absorb costs above that threshold themselves.

Potential points of contention

  • Insurance industry cost concerns: Requiring equal limits would increase insurer payouts and likely raise premiums for consumers purchasing UM coverage, potentially making insurance more expensive
  • Consumer autonomy vs. protection: While matching limits provides better protection, some argue consumers should have freedom to choose lower (cheaper) UM limits rather than forcing a one-size-fits-all approach
  • Market impact on affordability: In states with high uninsured driver rates like Mississippi, insurers may raise rates significantly or reduce market competition, affecting low-income drivers' ability to afford coverage

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

Sign in to ask a question.