Personal injury protection (Senate Bill 411):
SB 411 changes laws on uninsured motorist coverage and personal injury protection coverage. The law allows drivers injured in a crash to apply their uninsured motorist coverage to the at-fault driver’s liability insurance. That means the injured driver will get all the coverage they paid for. The bill also changes the personal injury protection law. Before SB 411, personal injury damages were paid to the insurance company who was then supposed to transfer them to the injured person. Now, injured people can bypass the insurance company and have their damages paid directly to them.