HB 974 Missouri House · 2025 Regular Session

Establishes provisions relating to insurance for certain uses of motor vehicles

HB 974 establishes insurance requirements for peer-to-peer car-sharing programs in Missouri. It requires these programs to provide liability coverage for injuries or property damage to others during the entire sharing period (from when a driver takes control of a vehicle until return), meeting or exceeding Missouri’s minimum insurance standards under Chapter 303. The law directly affects car-sharing platforms, vehicle owners who rent out their cars, and drivers using these services, but explicitly excludes traditional rental cars. Coverage must be maintained through the program, owner, driver, or a combination, ensuring shared vehicles are properly insured while being used through the platform.

Bill status passed both 4 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Apr 2025

House Passage

Apr 2025

Senate Passage

Apr 2025

Governor

Introduced Jan 22, 2025 Last action May 30, 2025

Maddy AI version diff · 3 comparisons

What changed between versions

Perfected → Senate Substitute (Senate Floor Substitute) · 4 edits

MODERATE

The bill was revised from a House Committee Substitute to a Senate Substitute, expanding its scope from only Chapter 379 (motor vehicle insurance) to include both Chapters 375 and 379. The title and explanatory text were updated to reflect this broader coverage, and the bill now establishes 27 new sections covering insurance data security standards rather than just 15 sections focused on peer-to-peer car sharing.

Scope change

The bill's scope expanded from solely addressing peer-to-peer car-sharing insurance requirements to also include comprehensive data security standards for all insurance licensees under Chapter 375.

SCOPE

Bill title and enacted text changed to apply to both Chapters 375 and 379 instead of only Chapter 379.

REQUIREMENT

Added 27 new sections establishing the Insurance Data Security Act with standards for data security, cybersecurity event investigation, and notification requirements.

DEFINITION

Added comprehensive definitions for key terms including cybersecurity event, nonpublic information, information security program, multi-factor authentication, and other data security concepts.

ENFORCEMENT

Clarified that the new sections do not create private causes of action for violations but maintain existing private rights.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 30, 2025

Lower · Passed

Truly Agreed To and Finally Passed - AYES: 145 NOES: 2 PRESENT: 1

lower

Apr 30, 2025

Lower · Passed

Reported Do Pass (H) - AYES: 8 NOES: 0 PRESENT: 0

lower

Apr 30, 2025

Lower · Passed

Voted Do Pass (H)

lower

Apr 29, 2025

Committee

Referred: Fiscal Review(H)

lower

Apr 28, 2025

Upper · Passed

Third Read and Passed (S) - AYES: 28 NOES: 1 PRESENT: 0

upper

Apr 28, 2025

Upper · Passed

SS Adopted (S)

upper

Apr 28, 2025

Introduced

SS Offered

lower

Apr 17, 2025

Upper · Passed

Reported Do Pass (S)

upper

Apr 8, 2025

Upper · Passed

Voted Do Pass (S)

upper

Mar 24, 2025

Committee

Second read and referred: Insurance and Banking(S)

upper

Mar 13, 2025

Lower · Passed

Third Read and Passed (H) - AYES: 150 NOES: 0 PRESENT: 1

lower

Mar 11, 2025

Lower · Passed

Perfected with Amendments (H) - HA 1, adopted

lower

Mar 11, 2025

Lower · Passed

HCS Adopted (H)

lower

Mar 5, 2025

Lower · Passed

Reported Do Pass (H) - AYES: 10 NOES: 0 PRESENT: 0

lower

Mar 4, 2025

Lower · Passed

Voted Do Pass (H)

lower

Feb 26, 2025

Committee

Referred: Rules - Administrative(H)

lower

Feb 18, 2025

Lower · Passed

HCS Reported Do Pass (H) - AYES: 11 NOES: 0 PRESENT: 0

lower

Feb 17, 2025

Lower · Passed

HCS Voted Do Pass (H)

lower

Jan 30, 2025

Committee

Referred: Insurance(H)

lower

Jan 22, 2025

Introduced

Introduced and Read First Time (H)

lower

1 primary · 0 co-sponsors