Mississippi legislation · 2026 Regular Session
Mississippi HB1274: Insurance; prohibit cancellation of, nonrenewal of, or increase in rates for nonfault motor vehicle incident of the insured.
Status: Failed, February 3, 2026
AN ACT TO PROVIDE THAT NO INSURER SHALL INCREASE THE RATE, INCREASE OR ADD A SURCHARGE, CANCEL, OR FAIL TO RENEW ANY POLICY OF MOTOR VEHICLE INSURANCE WHEN SUCH ACTION IS BASED ON CONSIDERATION OF ONE OR MORE NONFAULT INCIDENTS; TO DEFINE A NONFAULT INCIDENT; TO PROVIDE PENALTIES FOR AN INSURER WHO VIOLATES THESE PROVISIONS; TO AMEND SECTION 83-11-3 AND 83-11-7, MISSISSIPPI CODE OF 1972, TO CONFORM TO THE PROVISIONS OF THIS ACT; AND FOR RELATED PURPOSES.
What the bill says
An act to provide that no insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more nonfault incidents; to define a nonfault incident; to provide penalties for an insurer who violates these provisions; to amend section 83-11-3 and 83-11-7, mississippi code of 1972, to conform to the provisions of this act; and for related purposes.
From the introduced text:
AN ACT TO PROVIDE THAT NO INSURER SHALL INCREASE THE RATE, INCREASE OR ADD A SURCHARGE, CANCEL, OR FAIL TO RENEW ANY POLICY OF MOTOR VEHICLE INSURANCE WHEN SUCH ACTION IS BASED ON CONSIDERATION OF ONE OR MORE NONFAULT INCIDENTS; TO DEFINE A NONFAULT INCIDENT; TO PROVIDE PENALTIES FOR AN INSURER WHO VIOLATES THESE PROVISIONS; TO AMEND SECTION 83-11-3 AND 83-11-7, MISSISSIPPI CODE OF 1972, TO CONFORM TO THE PROVISIONS OF THIS ACT; AND FOR RELATED PURPOSES. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MISSISSIPPI: SECTION 1. (1) For purposes of this section, "nonfault incident" means an accident, collision, or other incident involving a vehicle covered by a policy issued by the insurer in which the driver of the insured vehicle was not at fault, regardless of whether the incident was reported to any law enforcement agency. (2) No insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more nonfault incidents. (3) Any insurer who violates this section shall refund to the insured person the amount of premium that was paid which *HR31/R728* H. B. No. 1274 ~ OFFICIAL ~ G1/2 26/HR31/R728 PAGE 1 (ENK\JAB) exceeded the premium that would have been charged if the …
Sponsors
- Yates, Shanda (I, 64) · primary sponsor
Latest actions
- : Died In Committee
- : Referred To Insurance
Subjects: Insurance
Common questions
- What is HB1274?
- HB1274 is a bill in the Mississippi Legislature (2026 Regular Session): Insurance; prohibit cancellation of, nonrenewal of, or increase in rates for nonfault motor vehicle incident of the insured.
- What does HB1274 do?
- In its own words: An act to provide that no insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more nonfault incidents; to define a nonfault incident; to provide penalties for an insurer who violates these provisions; to amend section 83-11-3 and 83-11-7, mississippi code of 1972, to conform to the provisions of this act; and for related purposes.
- What is the status of HB1274?
- Failed as of February 3, 2026. Latest action: Died In Committee (February 3, 2026).
- Who sponsored HB1274?
- Yates, Shanda (I, 64).
- Where is the official record for HB1274?
- On the Mississippi Legislature website: http://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1274.xml
Source: official Mississippi record. Tracked by Delilah, AI for legislation across all 50 states and Congress.