House Bill No. 6413 mandates that the state provide uninsured and underinsured motorist coverage for employees of the Department of Transportation (DOT) under the State Fleet Insurance Policy, effective July 1, 2026. The coverage must include limits for bodily injury or death of no less than one million dollars and is intended for employees who are legally entitled to recover damages from owners or operators of uninsured or underinsured vehicles while performing their job duties outside of a motor vehicle.

The bill introduces new legal language that specifies the requirements for this coverage, while there are no deletions from current law noted in the text. The fiscal impact of this legislation is estimated to cost between $700,000 and $1,700,000 annually, depending on the frequency and severity of accidents involving DOT employees. This ongoing financial obligation is expected to continue into the future, subject to inflation.