Uninsured motorist coverage; provide that limits will be equal to liability coverage unless insured selects otherwise.

HB 383 requires Mississippi car insurance policies to automatically include uninsured motorist coverage limits equal to the policyholder's bodily injury liability coverage limits (and property damage limits equal to property damage liability limits), effective July 1, 2026. Policyholders can choose in writing to accept lower limits, but not below the state's minimum requirements. This applies to new policies and renewals unless the policyholder specifically requests lower limits in writing. The bill directly affects all Mississippi drivers purchasing auto insurance by changing how uninsured motorist coverage limits are set.