MS HB680

Uninsured motorist bodily injury coverage limits must automatically equal bodily injury liability coverage limits for policies issued after July 1, 2015, unless the insured specifically selects lower limits in writing.

Uninsured motorist property damage coverage limits must automatically equal property damage liability coverage limits for policies issued after July 1, 2015, unless the insured specifically selects lower limits in writing.

Insured may select lower uninsured motorist coverage limits in writing, but such limits cannot fall below Mississippi's minimum required liability coverage amounts.

Once an insured selects lower uninsured motorist limits in writing, those lower limits may continue on renewal policies unless the insured requests higher coverage in writing.

New applications submitted for renewal, reinstatement, or replacement transactions trigger the requirement that uninsured motorist coverage automatically equal liability coverage limits, treating them as new policies.