# Missouri HB974: Establishes provisions relating to insurance for certain uses of motor vehicles Missouri HB974, Establishes provisions relating to insurance for certain uses of motor vehicles, is a 2025 Regular Session House bill sponsored by Jim Murphy (Republican); status signed, last action 2025-07-02 (Delivered to Secretary of State (G)); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/MO-HB974-2025 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Missouri HB974 - State: Missouri - Session: 2025 Regular Session - Title: Establishes provisions relating to insurance for certain uses of motor vehicles - Status: signed - Chamber: House - Introduced: 2025-01-22 - Last action: 2025-07-02, Delivered to Secretary of State (G) - Sponsor: Jim Murphy (Republican) - Cosponsors: 0 - Touches household money: yes - Roll calls: 7 (501 yes, 5 no in all) - Economic provisions PRIA read: 9 ## Summary No summary available. ## Bill overview: provisions PRIA read - Security-rule relief for small insurance businesses: benefit, medium. Beginning January 1, 2026, licensees with fewer than 10 employees, including independent contractors, are exempt from the written security-program requirement. Insurance producers qualify for listed exceptions with fewer than 50 employees, under $5 million in annual revenue, or under $10 million in… - Clearer car-sharing costs and claim records: benefit, low. Beginning January 1, 2026, Missouri car-sharing agreements must explain daily rates, insurance or protection-package charges, emergency contacts, and driver insurance requirements. They must also explain repayment duties, that program coverage lasts only during sharing, and that owners’ policies ma… - Insurers must investigate and report cyberattacks: benefit, low. Beginning January 1, 2026, insurance licensees must promptly investigate suspected cybersecurity events, restore security, and keep event records for at least three years. For vendor incidents, licensees must complete those steps or confirm and document the vendor’s work. They must notify the state… - Stronger safeguards for insurance customers’ data: benefit, low. Beginning January 1, 2026, the law sets Missouri’s exclusive state standards for insurance licensees’ data security and related investigations and regulator notices. Covered licensees must implement written, risk-based security programs by January 1, 2027, tailored to their size, work, vendors, and… - Personal insurance can exclude shared cars: cost, low. Beginning January 1, 2026, personal auto insurers can exclude claims involving an owner’s shared vehicle and refuse to defend or pay them. Exclusions can cover liability, personal injury protection, uninsured or underinsured motorists, medical payments, comprehensive, and collision coverage. Existi… - Car-sharing coverage comes with liability limits: mixed, medium. Beginning January 1, 2026, car-sharing programs assume owners’ third-party injury and property-damage liability during sharing, plus uninsured or underinsured motorist losses and legally required personal injury protection. The agreement sets the amount, which must meet Missouri’s minimum insurance… - Car-sharing programs cover installed equipment losses: mixed, low. Beginning January 1, 2026, car-sharing programs are solely responsible for equipment they install to monitor or support sharing. Programs must cover owners’ losses from equipment damage or theft during sharing, unless the owner caused the loss. Programs can seek repayment from drivers for equipment… - Insurance security records protected, lawsuits limited: mixed, low. Beginning January 1, 2026, covered insurance security reports and investigation records are confidential and legally protected. They are unavailable through public-records requests, subpoenas, discovery, evidence, or testimony in private civil lawsuits, but the director can use them for enforcement… - New safety limits for car sharing: mixed, low. Beginning January 1, 2026, programs can accept only drivers licensed or otherwise authorized to operate the vehicle’s class. Qualifying nonresident drivers must hold an appropriate home-state or foreign license and meet Missouri’s minimum driving age. Programs must keep drivers’ names, addresses, l… ## Sponsors and cosponsors - Sponsor: Jim Murphy (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-30 | House | Truly Agreed To and Finally Passed | pass | 145 | 2 | 1 | | 2025-04-30 | House | Reported Do Pass | pass | 8 | 0 | | | 2025-04-30 | House | House Adopts | pass | 149 | 2 | 1 | | 2025-04-28 | Senate | Third Read and Passed | pass | 28 | 1 | | | 2025-03-13 | House | Third Read and Passed | pass | 150 | 0 | 1 | | 2025-03-05 | House | Reported Do Pass | pass | 10 | 0 | | | 2025-02-18 | House | HCS Reported Do Pass | pass | 11 | 0 | | ## Actions (43) - 2025-07-02: Delivered to Secretary of State (G) (House) - 2025-07-02: Approved by Governor (G) (House) - 2025-05-30: Delivered to Governor (House) - 2025-05-30: Signed by President Pro Tem (Senate) - 2025-05-29: Signed by House Speaker (House) - 2025-04-30: House Message (House) - 2025-04-30: Truly Agreed To and Finally Passed - AYES: 145 NOES: 2 PRESENT: 1 (House) - 2025-04-30: House Adopts - AYES: 149 NOES: 2 PRESENT: 1 (House) - 2025-04-30: Taken Up (House) - 2025-04-30: Reported Do Pass - AYES: 8 NOES: 0 PRESENT: 0 (House) - 2025-04-30: Voted Do Pass (House) - 2025-04-30: Executive Session Completed (House) - 2025-04-29: Referred: Fiscal Review (House) - 2025-04-29: Reported to the House with... - SS (House) - 2025-04-28: Third Read and Passed - AYES: 28 NOES: 1 PRESENT: 0 (Senate) - 2025-04-28: SS Adopted (Senate) - 2025-04-28: SS Offered (Senate) - 2025-04-28: Taken Up for Third Reading (Senate) - 2025-04-17: Reported Do Pass (Senate) - 2025-04-08: Voted Do Pass (Senate) - 2025-04-08: Executive Session Held (Senate) - 2025-04-01: Public Hearing Held (Senate) - 2025-03-27: Public Hearing Scheduled - Tuesday, April 1, 2025, 12:00 p.m., Senate Lounge - 3rd Floor (Senate) - 2025-03-24: Second read and referred: Insurance and Banking (Senate) - 2025-03-13: Reported to the Senate and First Read (Senate) - 2025-03-13: Third Read and Passed - AYES: 150 NOES: 0 PRESENT: 1 (House) - 2025-03-13: Taken Up for Third Reading (House) - 2025-03-11: Perfected with Amendments - HA 1, adopted (House) - 2025-03-11: HCS Adopted (House) - 2025-03-11: Title of Bill - Agreed To (House) - 2025-03-11: Taken Up for Perfection (House) - 2025-03-10: Placed on the Informal Perfection Calendar (House) - 2025-03-05: Reported Do Pass - AYES: 10 NOES: 0 PRESENT: 0 (House) - 2025-03-04: Voted Do Pass (House) - 2025-03-04: Executive Session Completed (House) - 2025-02-26: Referred: Rules - Administrative (House) - 2025-02-18: HCS Reported Do Pass - AYES: 11 NOES: 0 PRESENT: 0 (House) - 2025-02-17: HCS Voted Do Pass (House) - 2025-02-17: Executive Session Completed (House) - 2025-02-10: Public Hearing Completed (House) - 2025-01-30: Referred: Insurance (House) - 2025-01-23: Read Second Time (House) - 2025-01-22: Introduced and Read First Time (House) ## Bill text - Truly Agreed, 2025-04-30: [PDF](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332S.05T.pdf) - Perfected, 2025-03-11: [PDF](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.03P.pdf) - Committee Substitute, 2025-02-18: [PDF](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.03C.pdf) - Senate Substitute, 2025-02-18: [PDF](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332S.05F.pdf) - Introduced, 2025-01-22: [PDF](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.01I.pdf) ## Related bills - HB3: Appropriates money for the expenses, grants, refunds, and distributions of the Department of Higher Education and Workforce Development (signed) - HB8: Appropriates money for the expenses, grants, refunds, and distributions of the Department of Public Safety and the Department of National Guard (signed) - HB11: Appropriates money for the expenses, grants, refunds, and distributions of the Department of Social Services (signed) - HB10: Appropriates money for the expenses, grants, refunds, and distributions of the Department of Mental Health, the Department of Health and Senior Services, and t… (signed) - SB79: Modifies provisions relating to health care (signed) - SB271: Modifies provisions relating to emergency services (signed) ## Sources - [Truly Agreed (PDF)](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332S.05T.pdf) - [Perfected (PDF)](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.03P.pdf) - [Committee Substitute (PDF)](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.03C.pdf) - [Senate Substitute (PDF)](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332S.05F.pdf) - [Introduced (PDF)](https://documents.house.mo.gov/billtracking/bills251/hlrbillspdf/2332H.01I.pdf) ## Related - [HB3: Appropriates money for the expenses, grants, refunds, and distributions of the…](https://policyrisk.com/state-bill/MO-HB3-2025) - [HB8: Appropriates money for the expenses, grants, refunds, and distributions of the…](https://policyrisk.com/state-bill/MO-HB8-2025) - [HB11: Appropriates money for the expenses, grants, refunds, and distributions of the…](https://policyrisk.com/state-bill/MO-HB11-2025) - [HB10: Appropriates money for the expenses, grants, refunds, and distributions of the…](https://policyrisk.com/state-bill/MO-HB10-2025) - [SB79: Modifies provisions relating to health care](https://policyrisk.com/state-bill/MO-SB79-2025) - [SB271: Modifies provisions relating to emergency services](https://policyrisk.com/state-bill/MO-SB271-2025) - [Missouri bills](https://policyrisk.com/states/missouri/bills) - [Missouri state hub](https://policyrisk.com/states/missouri) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/MO-HB974-2025 (as of 2026-10-17).