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

HB 2932 caps noneconomic damages (like pain, suffering, or disfigurement) at $500,000 in most bodily injury cases, with higher limits ($1 million) for permanent mental injuries or severe physical injuries. It also requires mandatory liability insurance for motor vehicle accidents, setting a $100,000 threshold: drivers without insurance cannot recover the first $100,000 in bodily injury damages and must pay court costs if they win claims under that amount. The bill establishes these limits for civil cases arising from bodily injury claims, applying to injuries occurring on or after November 1, 2026. It does not affect government tort claims or actions under specific constitutional provisions.