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Bill

H 1109

An Act to relative to an underinsurance issue

194th Legislature (2025-2026) Introduced by Mike Chaisson

Massachusetts bill addressing consumer underinsurance protection, progressing through legislative committees with favorable reports toward second reading.

Placed in the Orders of the Day for the next sitting (under the last sentence of Rule 7A) for a second reading
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Bill Summary · H 1109

Legislative bill overview

H. 1109 addresses underinsurance issues in Massachusetts, though the specific provisions are not detailed in the available legislative record. The bill has progressed through committee review with a favorable report and is currently scheduled for a second reading in the House.

Why is this important

Underinsurance—when individuals carry insufficient insurance coverage—can leave people financially vulnerable to catastrophic losses. Legislation addressing this gap can protect consumers from inadequate coverage that fails to compensate them adequately after accidents, disasters, or other insurable events.

Potential points of contention

  • Definition and scope: The bill's specific definition of "underinsurance" and which insurance types it covers (auto, health, property, etc.) will significantly affect its reach and regulatory burden.
  • Mandate vs. education: Whether the bill mandates higher coverage requirements or focuses on consumer education and disclosure will impact insurers, policyholders, and insurance costs.
  • Implementation costs: Requirements for insurers to adjust practices, verify coverage adequacy, or provide notifications could increase administrative expenses passed to consumers.

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

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