MS HB728

Requires all liability insurance policies issued in Mississippi to include provisions stating that insurer remains liable for damages despite insured's insolvency or bankruptcy during the policy period.

Allows injured persons, survivors, or heirs to bring direct action against the insurer alone when the insured is bankrupt, insolvent, cannot be served, deceased, or when the cause of action involves family members (parent-child or spouses).

Permits injured parties to sue the insurer alone or jointly with the insured in the county where the accident occurred or where venue is otherwise appropriate under state law.

Specifies that direct action rights apply regardless of whether the policy was written in Mississippi or contains provisions forbidding such action, provided the injury occurred in Mississippi.

Takes effect July 1, 2020.