HB 1647 Missouri House · 2026 Regular Session

Establishes provisions relating to duplicative recovery of damages based on insurer reimbursements

HB 1647 prevents plaintiffs from collecting the same damages twice from both a defendant and their insurer. It states that if a defendant or their insurer pays special damages (like medical bills) before trial, those amounts cannot be claimed again from the defendant. The bill also requires defendants to receive credit for prior payments in court and sets rules for calculating medical costs to avoid double-counting. This affects personal injury plaintiffs, defendants, and insurers in civil lawsuits involving insurance coverage.

Bill status in committee 1 of 4 stages cleared

Introduction

Dec 2025

Committee Review

Floor Vote

Governor

Introduced Dec 1, 2025 Last action Mar 10, 2026

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What changed between versions

Introduced → House Committee Substitute · 4 edits

MODERATE

The bill was renumbered from HB 1647 to 4221H.03C and its purpose shifted from repealing a tort liability section to amending Chapter 379 to add a new section on insurer reimbursements. The new law allows defendants to reimburse claimants' insurers for deductibles and property damage before a lawsuit is filed, preventing double recovery by the claimant. It explicitly permits evidence of these payments in court and clarifies that the law does not interfere with an insurer's right to seek reimbursement from a claimant later.

Scope change

The bill's scope changed from a general tort liability rule regarding special damages to a specific mechanism for property damage cases involving pre-litigation reimbursements between insurers and defendants.

SCOPE

The bill's subject matter changed from repealing section 490.715 to amending Chapter 379 by adding a new section 379.199.

ELIGIBILITY

New eligibility criteria were added allowing defendants to reimburse claimants' insurers for deductibles and property damage amounts paid before a civil action is filed.

REQUIREMENT

New requirements were established allowing parties to present evidence of these reimbursements in court to offset any judgment against the defendant.

DEFINITION

The new section clarifies that the law does not impair an insurer's existing lawful subrogation rights.

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Full legislative history

Actions timeline

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Key actions

Committee

Mar 10, 2026

Lower · Passed

HCS Reported Do Pass (H) - AYES: 7 NOES: 3 PRESENT: 0

lower

Mar 9, 2026

Lower · Passed

HCS Voted Do Pass (H)

lower

Feb 12, 2026

Committee

Referred: Insurance(H)

lower

Dec 1, 2025

Introduced

Prefiled (H)

lower

1 primary · 0 co-sponsors