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Bill

HB 5017

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

89th Legislature (2025) Introduced by Matt Morgan

HB 5017 establishes procedures governing personal auto insurance policy treatment when insureds fail to respond to insurer communications.

Referred to Insurance
#insurance--motorvehicles(i0435)
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WeVote Research Nonpartisan
Bill Summary · HB 5017

Legislative bill overview

HB 5017 addresses what happens to personal auto insurance policies when insureds become unresponsive to their insurance company. The bill likely establishes procedures, timelines, or consequences for policyholders who fail to respond to insurer communications regarding policy matters. This could include provisions for policy cancellation, suspension, or modification when insureds cannot be reached.

Why is this important

Insurance companies need ways to manage policies when they cannot contact customers, as unresponsive insureds create administrative and coverage uncertainty. These situations affect both insurers' ability to collect premiums and process claims, and policyholders' protection if they're unaware their coverage has lapsed. Clear rules prevent disputes about whether coverage was active during incidents.

Potential points of contention

  • Consumer protection vs. insurer convenience: Rules protecting insureds from surprise cancellations may conflict with insurers' need for responsive customers; overly insurer-friendly rules could leave people without coverage unknowingly
  • Notice and communication standards: Disagreement over what constitutes adequate attempts to contact insureds and how much notice must be given before policy termination
  • Grace periods and reinstatement: Questions about whether unresponsive insureds should have opportunities to resume coverage without penalty and under what conditions

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

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