MS HB916

Requires uninsured motorist bodily injury coverage limits to automatically equal bodily injury liability coverage limits for policies issued after July 1, 2024, unless the insured explicitly selects lower limits in writing.

Requires uninsured motorist property damage coverage limits to automatically equal property damage liability coverage limits for policies issued after July 1, 2024, unless the insured explicitly selects lower limits in writing.

Permits insureds to select lower uninsured motorist coverage limits in writing, but not below the minimum limits required by Mississippi Motor Vehicle Safety Responsibility Law.

Once an insured selects lower limits in writing, those lower limits may carry forward to renewal policies with the same insurer unless the insured requests higher coverage in writing.

Resets the default coverage to match liability limits whenever a new application is submitted for renewal, reinstatement, or replacement transactions.