MS HB1274

Prohibits motor vehicle insurers from increasing rates, adding surcharges, canceling, or refusing to renew policies based solely on "nonfault incidents" where the insured driver was not at fault in an accident or collision.

Violating insurers must refund excess premiums paid plus a penalty of triple the refund amount or $1,000, whichever is greater, and the insured is entitled to attorney fees if they prevail.

Insurers cannot deny new policy applications or transfer policyholders to affiliate insurers based solely on nonfault accidents.

Amends Mississippi Code Sections 83-11-3 and 83-11-7 to incorporate these protections into existing cancellation and nonrenewal notice requirements, with advance notice periods increasing from 30 to 45 days for policies issued after July 1, 2026.

Effective date is July 1, 2026.