Revising insurance laws regarding uninsured, underinsured motorists

SB 290 requires Montana auto insurance policies to include both uninsured and underinsured motorist coverage, with drivers needing to explicitly reject it in writing. It defines "underinsured" as vehicles with coverage limits below injury damages and mandates that transportation network carriers (like Uber or Lyft) provide specific insurance levels for drivers: $50,000/$100,000 bodily injury coverage when logged on but not driving, and $1 million when transporting riders. The bill ensures carrier insurance covers claims directly without waiting for a driver’s personal policy to deny coverage. It affects all Montana drivers, insurers, and ride-share drivers/carriers by standardizing coverage requirements and clarifying liability responsibilities.