Creates provisions relating to the procurement of driving data by automobile insurers

HB 2324 prohibits Missouri automobile insurers from purchasing or obtaining vehicle driving data (like location, speed, or braking patterns) without the explicit, written consent of the vehicle owner or primary driver. Insurers must disclose what data they collect, how it's gathered, and how it may affect premiums before obtaining consent. The bill also bans insurers from denying coverage, canceling policies, or raising premiums solely because an owner refuses to share driving data, and requires insurers to provide owners with copies of their collected data upon request. Enforcement is handled by Missouri's Department of Commerce and Insurance, which can impose fines for violations.