Insurance; prohibit cancellation of, nonrenewal of, or increase in rates for nonfault motor vehicle incident of the insured.

HB 1274 would prevent Mississippi car insurers from raising premiums, canceling policies, or refusing to renew coverage based on nonfault car accidents (where the insured driver wasn't at fault, even if unreported). It directly affects drivers who have been in accidents they didn't cause, ensuring insurers cannot use these incidents to increase costs or deny coverage. The law requires insurers to refund overcharges plus triple the amount or $1,000 (whichever is greater) plus attorney fees if they violate these rules. This bill amends existing insurance laws (Sections 83-11-3 and 83-11-7) to enforce these protections.