Damages; economic and noneconomic loss compensation; bodily injury claims; limitation; mandatory liability insurance; effective date.

Summary

The bill limits non‑economic damages to $500,000 in most bodily injury cases, with higher caps for severe permanent injuries or mental injuries, and removes caps when conduct is reckless, grossly negligent, fraudulent, or intentional. It also blocks recovery of the first $100,000 of bodily injury or property damage when a driver lacks required liability insurance and preserves insurers' subrogation rights. The changes apply to civil actions for bodily injury that occur on or after November 1, 2026.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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