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WeVote Research Nonpartisan
Bill Summary · HB 946

Legislative bill overview

HB 946 prohibits insurance companies from accepting oral (verbal) releases from automobile insurance claimants, requiring written documentation instead. The bill appears designed to create a formal paper trail and prevent disputes over whether claimants actually released their claims.

Why is this important

This affects how quickly insurance claims can be settled—oral agreements are faster but create documentation gaps, while written-only requirements add procedural steps. The change impacts both insurers and claimants, particularly those seeking rapid claim closure or settlements.

Potential points of contention

  • Accessibility concerns: Written-only requirements may disadvantage claimants with literacy issues, language barriers, or disabilities who previously could settle verbally
  • Settlement speed: Mandatory written documentation could slow down claim resolutions, delaying payment to claimants who need funds quickly
  • Enforceability questions: Unclear what happens to existing oral agreements or whether this applies retroactively to pending claims
  • Industry compliance burden: Insurers must revise procedures and train staff on new documentation requirements

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

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