Compulsory motor vehicle liability security; limit civil recovery for failure to maintain.

SB 2736 limits civil recovery for injuries or property damage in motor vehicle accidents when the at-fault driver failed to maintain required insurance. It sets a $25,000 cap on recoveries for the first $25,000 of bodily injury and $25,000 of property damage, directly affecting uninsured drivers. Key exceptions include cases where the other driver was cited for DUI, intentionally caused the accident, fled the scene, or was committing a felony. The bill preserves passengers' right to claim damages and ensures insurers retain subrogation rights for amounts exceeding the $25,000 cap.