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Bill

A 4156

Requires a notice for renewal of certain policies be delivered at least ninety days prior to the expiration of such policy

2025 Regular Session Introduced by Joe DeStefano and 2 co-sponsors

Requires insurers to send renewal notices at least 90 days before policy expiration, giving policyholders more time to review terms, compare options, and shop for alternatives.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · A 4156

Summary of Bill A 4156

Overview

  • Bill Number: A 4156
  • Title: Requires a notice for renewal of certain policies be delivered at least ninety days prior to the expiration of such policy
  • Status: REFERRED TO INSURANCE
  • Introduced: January 31, 2025
  • Classification: bill

Purpose and Intent

A 4156 would require insurers to deliver a renewal notice for certain policies at least 90 days before the policy’s expiration. The intent appears to be to give policyholders more lead time to review renewal terms, compare options, and decide whether to renew or shop for alternatives, thereby enhancing consumer protection and transparency in renewal decisions.

Key Provisions (as stated)

  • Renewal notices must be delivered at least 90 days prior to policy expiration.
  • The provision applies to “certain policies” (specific policies not defined in the information provided).
  • Delivery would likely be performed by insurers; additional content requirements or exceptions are not specified in the available material.
  • Details such as the exact content, delivery method (mail, electronic, etc.), and any carve-outs would be determined in the bill’s text or subsequent amendments (not provided here).

Affected Parties

  • Policyholders/Consumers: Stand to gain earlier notification of upcoming renewals, enabling more time to decide on renewal vs. shopping for alternatives.
  • Insurers: Would need to adjust renewal notification practices and timelines to ensure compliance with the 90-day requirement.
  • Industry Stakeholders (e.g., brokers/agents): May experience shifts in communication timelines and potential advising needs for clients nearing policy expiration.

Procedural and Timeline Context

  • The bill was introduced and immediately referred to the Insurance committee on January 31, 2025.
  • The legislative history shown includes two identical actions on the same date (both “REFERRED TO INSURANCE”), with no further actions listed in the provided materials.
  • Ongoing legislative work elsewhere suggests related renewal-notice reform efforts (see related bills).

Legislative Context and Sponsors

  • Primary Sponsor: Mike Reilly
  • Cosponsors: Michael Novakhov, Joe DeStefano
  • Related Bills (prior-session): A 9638, A 3176 — indicate prior similar proposals in earlier sessions

Potential Impact and Considerations

  • Positive: Improved consumer awareness and time to respond to renewal terms; may reduce lapses and allow price/comparison shopping.
  • Administrative/Cost Considerations: Insurers may incur costs to adjust renewal-notice processes and systems; possible need for standardizing notice content.
  • Regulatory and Implementation: If enacted, the bill would likely require regulatory or department guidance to specify notice content, delivery methods, and any exemptions.

Next Steps for Readers

  • Monitor Insurance Committee actions for amendments, hearings, and votes.
  • Review the text of A 4156 when available for precise definitions of “certain policies,” notice content, delivery methods, and any exceptions.
  • Consider related bills (A 9638, A 3176) for context on renewal-notice reforms and how proposals have evolved across sessions.

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

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