MO HB1074

Requires automobile liability insurance policies to include uninsured motorist bodily injury coverage in limits matching minimum liability coverage amounts unless the insured rejects it in writing.

Mandates insurers offer uninsured motorist bodily injury coverage in limits up to the insured's third-party liability limits if those limits exceed the statutory minimum.

Requires agents to offer increased uninsured motorist limits to all new applicants as of the effective date, with written rejection required; existing policyholders must receive notice at their next two renewals.

Permits insureds to purchase optional uninsured motorist property damage coverage for losses exceeding $200, with exceptions allowing full coverage when the same insurer covers both collision and uninsured motorist property damage and the at-fault operator is identified and solely liable.

After an insured rejects uninsured motorist property damage coverage once, insurers need not offer it again unless the insured requests it in writing or submits a new application.