This bill introduces new requirements for the admissibility of evidence related to damages for past and future medical expenses in civil actions, particularly in personal injury and wrongful death cases. It defines key terms such as "claimant," "factoring company," and "health care provider," and outlines the types of evidence that can be presented to prove medical expenses. Specifically, it limits the admissible evidence to amounts actually paid or the amounts that health care coverage is obligated to pay, and it establishes that individual contracts between health care providers and insurers are not subject to discovery. Additionally, claimants must disclose specific information regarding medical expenses incurred under a letter of protection, including the identity of any factoring companies involved.

Furthermore, the bill sets a cap on noneconomic damages in civil actions against commercial motor vehicle carriers, limiting recoverable damages to one million dollars per plaintiff, regardless of the number of claims. It mandates that juries or courts first determine the amount of noneconomic damages without regard to this cap, which will then be adjusted to comply with the limit if necessary. Overall, the bill aims to create clearer guidelines for the presentation of medical expense evidence and to limit the financial liability of commercial motor vehicle carriers in civil actions.