Uninsured and underinsured motorist liability coverage amounts increase, motorcycle insurance inclusion uninsured and underinsured coverage requirement provision, traumatic brain injury recovery account and program establishment provision, and automobile insurance surcharge for traumatic brain injury recovery account and program requirement provision

This bill increases minimum liability coverage for traumatic brain injuries from $40,000 to $80,000 per person, split between medical costs ($40,000) and other losses ($40,000). It requires motorcycle insurance policies to include uninsured/underinsured coverage (previously only liability coverage was mandatory for motorcycles). The bill also establishes a traumatic brain injury recovery account funded by a new surcharge on auto insurance policies, with insurers required to notify policyholders about the program. These changes apply to policies issued or renewed on or after August 1, 2025, directly affecting motorcycle owners, brain injury victims, and auto insurers.