Prohibits motor vehicle liability insurance policy from restricting full payment of recovery amounts under covered person's policy.

This bill prohibits motor vehicle liability insurance policies from restricting recovery amounts below the policy's maximum limits for specific covered individuals. It directly affects named insureds, listed drivers, and household residents by requiring insurers to pay the full policy limits for bodily injury or death claims, rather than capping payments at lower amounts. The law specifies that coverage limits for these individuals must align with the vehicle used at the time of the loss and mandates clear disclosure if any restrictions exist on the policy declaration page. This change ensures policyholders and their covered family members receive the full policy coverage amount they are entitled to under the terms of their insurance.