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Bill

SB 1791

Relating to the effects of unresponsive insureds for a personal automobile insurance policy.

89th Legislature (2025) Introduced by Mayes Middleton and 1 co-sponsor

SB 1791 establishes procedures governing how Texas auto insurers handle unresponsive policyholders, balancing insurer rights against consumer protections for coverage continuity and claims processing.

Not again placed on intent calendar
#insurance--insurers&agents(i0425) #insurance--motorvehicles(i0435)
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WeVote Research Nonpartisan
Bill Summary · SB 1791

Legislative bill overview

SB 1791 addresses the consequences when policyholders fail to respond to their auto insurance company's communications or requests. The bill establishes procedures and limitations on how insurers can handle situations where insureds are unresponsive, likely defining what constitutes "unresponsive" and what remedies or actions insurers may take.

Why is this important

Auto insurance requires ongoing communication between insurers and policyholders regarding coverage, claims, premium payments, and policy compliance. Clear rules about unresponsiveness protection matter because they balance insurer operational needs against consumer rights—preventing insurers from unfairly canceling or denying coverage while allowing legitimate enforcement of policy terms.

Potential points of contention

  • Definition and timeline concerns: What constitutes "unresponsive" (how many missed communications, over what period) and whether timelines are reasonable for policyholders with legitimate absences or communication barriers
  • Cancellation consequences: Whether insurers can cancel policies for unresponsiveness and what notice requirements or grace periods apply before cancellation takes effect
  • Claims handling: How unresponsiveness affects claim denials or settlements, and whether consumers are protected from claim denials due to communication gaps beyond their control

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

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