MS SB2326

Establishes the "Mississippi Insurance E-Commerce Act" to allow insurers to deliver insurance documents and notices to policyholders electronically instead of by paper mail, provided parties give affirmative written consent and are informed of hardware/software requirements and withdrawal rights.

Requires insurers to provide clear disclosure before obtaining electronic consent, including information about document types to be delivered electronically, the right to withdraw consent at any time, and the right to receive paper copies upon request.

Permits insurers to post insurance policies and endorsements on their websites in lieu of mailing physical copies, with conditions including keeping documents accessible for five years after policy expiration and allowing free printing and saving of documents.

Allows claim payments to be made by electronic transfer of funds to claimants or their attorneys if the claimant consents, with provisions for joint payments when employers have advanced claim payments.

Takes effect July 1, 2022; authorizes the Insurance Commissioner to adopt rules and regulations to implement the act.