Modifies provisions regarding motor vehicle liability insurance

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Schroer, Nick; House handler: N/A
Last action: 2026-02-05
Official status: Second Read and Referred S Insurance and Banking Committee
Effective date: 2026-08-28

Plain English Breakdown

The plain English breakdown is still being put together. The official documents below are already here.

Bill History

2026-02-05 S305
Second Read and Referred S Insurance and Banking Committee
2026-01-07 S92
S First Read
2025-12-16 Missouri House of Representatives and Missouri Senate
Prefiled

Official Summary Text

The following summaries of this bill are available:

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Introduced

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SB 1438 - This act modifies the required amount of motor vehicle liability insurance. The required amount of coverage for bodily injury or death is increased from $25,000 to $50,000 for one person, and from $50,000 to $100,000 for bodily injury or death to two or more persons in any one accident, and from $25,000 to $50,000 for injury to or destruction of property of others in any one accident. Currently, any underinsured motor vehicle coverage with less than two times the limits for bodily injury or death under current law shall be construed to provide coverage in excess of the liability coverage of any underinsured motor vehicle involved in the accident. This act provides that any underinsured motor vehicle coverage shall be construed to provide coverage in excess of the liability coverage of any motor vehicle involved in the accident.

This act is identical to HB 2082 (2026).
TAYLOR MIDDLETON