House Bill 1274, introduced during the 2026 Regular Session by Representative Shanda Yates, takes direct aim at how carriers handle nonfault incidents, and it comes with teeth. The proposal would prohibit insurers from raising rates, tacking on surcharges, canceling policies, or declining renewals based on crashes where the policyholder wasn’t at fault. Breaking these rules wouldn’t just mean a slap on the wrist. Violators would have to refund any overcharged premiums and pay a penalty of triple that amount, or $1,000, whichever is higher. Insureds who take their carriers to court and win would also collect attorney fees.
Mississippi proposes triple damages when insurers penalize nonfault accidents
