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HB 6435

AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS.

2025 Regular Session Introduced by Henry Genga and 2 co-sponsors

Summary — HB 6435Title: AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS Status: Signed by Governor (Public Act 25-131) Pur

SIGNED BY GOVERNOR
#arbitrationandaward #complaint #damages #insurancedepartment #insurancefund #insurancecompanies #mediation #motorvehicles
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Bill Summary · HB 6435

Summary — HB 6435

Title: AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS
Status: Signed by Governor (Public Act 25-131)

Purpose and intent

The bill addresses the Insurance Department’s arbitration process for automobile physical damage and property damage disputes. Its stated purpose (per the title) is to modify how arbitration for motor-vehicle-related physical and property damage claims is administered and resolved, improving or clarifying procedures for complaints, awards, and related processes overseen by the Insurance Department.

Key points (based on available metadata)

  • The bill focuses on arbitration and awards in automobile physical and property damage cases, involving processes such as complaint intake, mediation/arbitration, determination of damages, and enforcement of awards.
  • Subjects listed include Arbitration and award, Complaint, Damages, Insurance Department, Insurance Fund, Insurance companies, Mediation, and Motor Vehicles — indicating the measure affects administrative rules, dispute resolution pathways, and parties to auto-damage claims.

Note: The legislative record provided does not include the bill text or specific provisions (e.g., changed timeframes, fee structures, caps on awards, or procedural rules). For exact statutory changes, consult the enrolled bill text or Public Act 25-131.

Who is affected

  • Insured motorists and owners of vehicles/property damaged in motor-vehicle incidents who use the state arbitration process to resolve claims.
  • Insurance companies writing automobile coverage in the state (procedural obligations, participation in arbitration, potential financial impacts).
  • The Insurance Department (responsible for administering any new or revised arbitration procedures).
  • Repair shops, independent appraisers, and attorneys who participate in or advise clients about arbitration.
  • The state Insurance Fund, if the bill changes award payments, administrative fees, or funding mechanisms.

Procedural/timeline highlights

  • Introduced: January 23, 2025 (referred to Insurance and Real Estate Committee).
  • Public hearing: January 28, 2025.
  • Reported out of committee and favorably recommended with substitute: February–March 2025.
  • House passed: June 3, 2025.
  • Senate passed (in concurrence): June 4, 2025.
  • Transmitted to Governor: June 25, 2025.
  • Public Act designation: Public Act 25-131 dated June 16, 2025 (document shows signature by Governor on July 8, 2025).
  • Status: Signed into law (check the enrolled Public Act for the effective date and precise statutory amendments).

Recommended next steps

  • Review the full enrolled bill or Public Act 25-131 to see exact amendments (statutory language, effective date, and implementation details).
  • If you represent insurers, claimants, or repairers, consult legal counsel or the Insurance Department for operational impacts and compliance requirements.

Compiled from official sources — confirm details with the bill’s official record.

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