HB 5017

relating to the effects of unresponsive insureds for a personal
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1.  Subchapter B, Chapter 1952, Insurance Code, is
amended by adding Section 1952.061 to read as follows:
Sec. 1952.061.  REQUIRED PROVISION: UNRESPONSIVE INSUREDS.
(a)  This section applies to an insurer authorized to write
automobile insurance in this state, including an insurance company,
reciprocal or interinsurance exchange, mutual insurance company,
capital stock company, county mutual insurance company, Lloyd's
(b)  A personal automobile insurance policy must contain a
provision requiring the insurer to:
(1)  attempt to communicate with the named insured at
least five times or until the insured responds during the 45-day
period following the date a liability claim is made against the
(2)  if the insurer is unable to communicate with the
named insured during that period:
(A)  pay the claim to the third-party claimant in
accordance with the policy; and
(B)  decline to renew the policy.
SECTION 2.  Section 1952.061, Insurance Code, as added by
this Act, applies only to an insurance policy delivered, issued for
delivery, or renewed on or after January 1, 2026.
SECTION 3.  This Act takes effect September 1, 2025.