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Bill Summary · HB 1364

Legislative bill overview

HB 1364 modifies Texas insurance law regarding uninsured or underinsured motorist (UM/UIM) coverage in auto liability policies. The bill addresses how insurance companies must provide or offer this optional protection to policyholders who are involved in accidents with drivers lacking adequate insurance.

Why is this important

Uninsured and underinsured drivers are a significant problem in Texas—when victims are hit by such drivers, UM/UIM coverage is often their only recourse for medical bills, lost wages, and vehicle damage. This bill could expand consumer protections or change insurer obligations in how this coverage is presented, offered, or structured, potentially affecting millions of Texas drivers' financial security after accidents.

Potential points of contention

  • Insurance industry costs: Expanded UM/UIM coverage requirements or lower thresholds could increase insurers' claims payouts, potentially raising premiums for consumers
  • Mandate scope: Whether the bill requires mandatory offer/provision of UM/UIM coverage versus remaining optional, and at what coverage levels
  • Consumer awareness: Balancing between protecting consumers who may not understand coverage gaps versus not overburdening insurers with excessive disclosure or mandated offerings

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

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