Motor vehicle insurance provisions modified relating to uninsured and underinsured liability coverage amounts, motorcycle insurance coverage required, and traumatic brain injury (TBI) recovery account and surcharge established.

HF 2494 increases minimum insurance coverage for traumatic brain injuries (TBI) from $40,000 to $80,000 per person, split between $40,000 for medical expenses and $40,000 for other losses like income replacement. It requires motorcycle insurance policies to include uninsured/underinsured motorist coverage (previously only liability coverage was mandated) and mandates insurers to provide clear notice about TBI coverage options. The bill establishes a TBI recovery account funded by a surcharge on auto insurance policies, effective August 1, 2025, to support victims. These changes directly affect motor vehicle and motorcycle owners, insurers, and TBI victims seeking coverage under Minnesota’s insurance system.