Motor vehicle insurance; establish limitations on recovery for owners failing to maintain.

HB 682 limits damage recovery for victims when the at-fault driver doesn't carry required insurance. It caps recoveries at $15,000 for bodily injury and $25,000 for property damage, but exceptions apply if the other driver was at fault (e.g., DUI, intentional harm, or fleeing the scene). Drivers must acknowledge this rule when applying for licenses or vehicle registration, and it does not apply to parked vehicles or certain passengers. The bill aims to reduce liability for uninsured drivers while maintaining access to compensation in clear fault scenarios.