WeVote
Log In

Bill

Bill

HB 1240

relative to the apparent use of a deadly weapon during the offense of criminal threatening.

2026 Regular Session Introduced by Daryl Abbas and 3 co-sponsors

North Dakota HB 1240 requires auto insurers offering comprehensive or collision coverage to provide at least one policy option with separate auto glass coverage for repair or repla

Refer to Interim Study, MA, VV; 04/16/2026; SJ 9
0
WeVote Research Nonpartisan
Bill Summary · HB 1240

Note: multiple distinct bills numbered "HB 1240" appear in the provided documents (from Arkansas, Indiana, Illinois, Maryland, and North Dakota). The summary below focuses specifically on the North Dakota House Bill No. 1240 described as "An Act to create and enact a new section to chapter 26.1‑40 of the North Dakota Century Code, relating to auto glass insurance coverage."

Summary — North Dakota HB 1240 (Auto Glass Coverage)

Purpose and intent

HB 1240 requires automobile insurers that offer comprehensive or collision coverage to make available at least one policy option that provides additional coverage specifically for repair or replacement of damaged auto glass. The bill is intended to increase consumer access to auto glass coverage (for example, windshield repairs/replacements) and to allow insurers to offer distinct deductible structures for those glass claims.

Key provisions

  • Insurer obligation: Any insurer offering automobile comprehensive or collision coverage must provide at least one policy option that includes additional coverage for repair or replacement of damaged auto glass.
  • Deductible structure: Auto glass coverage must include either (a) an additional separate deductible that applies only to auto glass claims, or (b) a pre-deductible for replacement of auto glass (i.e., a deductible applied prior to other coverages or a reduced/no-deductible option for glass claims).
  • Placement: The new requirements are added as a new section in chapter 26.1‑40 of the North Dakota Century Code (insurance laws).

Who is affected

  • Insurers: All insurers licensed in North Dakota that offer automobile comprehensive or collision policies will need to ensure at least one qualifying auto glass coverage option is available and may need to file new or amended policy forms and rates.
  • Vehicle owners/insureds: North Dakota motorists purchasing comprehensive or collision coverage will gain access to at least one policy option that separates or adjusts the deductible for glass repair/replacement, potentially lowering out‑of‑pocket costs for common glass claims.
  • Auto glass repair vendors and repair networks: Expanded use of glass‑specific coverage could increase claim volumes directed to glass repair/replacement providers.

Potential impacts and considerations

  • Consumer benefit: Easier access to targeted glass coverage can reduce the financial burden for windshield and other glass repairs or replacements and may encourage timely repairs (safety benefit).
  • Market/price effects: Insurers may file premiums reflecting the cost of the glass‑specific coverage; offering a glass endorsement or separate deductible option can be done in a way that is premium‑neutral or priced to cover expected costs.
  • Administrative: Insurers will need policy form and rate changes and systems updates to track separate glass deductibles or pre‑deductible handling.
  • The bill mandates availability of at least one qualifying product but does not mandate universal inclusion of glass coverage in every comprehensive/collision contract.

Procedural status (legislative history)

  • Introduced in the North Dakota Legislative Assembly by Representatives Vetter, Dockter, Fisher, Grueneich, D. Ruby, Klemin, Christianson and Senators Barta, Cory, Sickler, Wanzek (bill text labeled 25.0528.01000).
  • Recorded chamber actions in the provided file show passage activity across late April–May 2025 and executive action:
    • Passed both legislative chambers (dates in late May 2025),
    • Sent to and signed by the Governor on June 20, 2025.
  • Effective date: the record shows the bill was signed by the Governor on June 20, 2025; the specific effective date field in the provided record was blank. Implementing regulatory or filing timelines (if any) are not specified in the bill text.

If you want, I can:
- Draft a one‑page consumer FAQ describing how a separate glass deductible typically works,
- Outline likely insurer administrative steps and timeline to implement the change in North Dakota, or
- Locate the final enacted statutory text and provide precise citation once you confirm the effective date.

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

Sign in to ask a question.