MS HB682

Uninsured vehicle owners/operators cannot recover the first $15,000 in bodily injury damages and the first $25,000 in property damage from any motor vehicle accident, regardless of fault

Recovery limitations do not apply if the other driver was convicted of DUI, intentionally caused the accident, fled the scene, or was committing a felony at the time of the crash

Uninsured vehicle owners who file lawsuits and receive awards at or below minimum insurance limits must pay all court costs for every party involved in the action

Anyone applying for a driver's license, vehicle title, or registration must sign a declaration acknowledging consent to these limitations, though proof of signing is irrelevant to enforcing the law

Passengers in uninsured vehicles retain full rights to recover damages unless they are also the owner of the uninsured vehicle involved in the accident