Proof of motor vehicle insurance; require when registering or renewing the registration of a motor vehicle.

HB 676 requires every vehicle owner in Mississippi to provide proof of minimum liability insurance coverage when registering or renewing a vehicle registration. It establishes an online verification system managed by the Department of Public Safety (replacing the Department of Revenue) to check insurance status instantly during registration. The system overrides physical insurance cards, denies registration for non-compliant vehicles, and mandates insurers to submit policy data every 30 days. This directly affects all vehicle owners and insurers operating in Mississippi, with the system required to be fully operational by 2026.