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Bill

A 211

Requires property/casualty insurance policies to state the types and causes of damage that are covered by such policy

2025 Regular Session Introduced by Karl Brabenec and 4 co-sponsors

Bill A 211 mandates clear disclosures in property and casualty insurance policies, helping policyholders understand coverage and reducing disputes during claims.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · A 211

Summary of Bill A 211

Bill Information

  • Bill Number: A 211
  • Title: Requires property/casualty insurance policies to state the types and causes of damage that are covered by such policy
  • Status: Referred to Insurance Committee
  • Introduced: January 08, 2025
  • Classification: Bill

Purpose and Intent

Bill A 211 aims to enhance transparency in property and casualty insurance policies by mandating that these documents explicitly outline the types and causes of damage that are covered. The intent is to provide policyholders with clearer information regarding their coverage, thereby reducing confusion and potential disputes during the claims process.

Key Provisions

  • Disclosure Requirement: Insurance companies will be required to include specific language in their property and casualty insurance policies that details:

    • The types of damage that are covered (e.g., fire, theft, natural disasters).
    • The causes of damage that are included under the policy (e.g., accidental damage, wear and tear).

  • Standardization of Language: The bill may encourage or require a standardized format for these disclosures to ensure consistency across different insurance providers, making it easier for consumers to compare policies.

Who Would Be Affected

  • Policyholders: Individuals and businesses purchasing property and casualty insurance will benefit from clearer information regarding their coverage, helping them make informed decisions.
  • Insurance Companies: Insurers will need to revise their policy documents to comply with the new requirements, which may involve additional administrative work and potential costs.
  • Regulatory Bodies: State insurance regulators may need to oversee compliance and ensure that the new disclosure requirements are met.

Procedural Aspects

  • Current Status: The bill has been referred to the Insurance Committee for further consideration.
  • Related Legislation:
    • A 7977: A related bill from the prior session that may address similar issues.
    • S 5694: A companion bill in the Senate that likely mirrors the provisions of A 211.

Conclusion

Bill A 211 seeks to improve the clarity and transparency of property and casualty insurance policies by requiring explicit disclosures of covered damages and causes. This legislation aims to empower consumers with better information, potentially leading to a more informed insurance marketplace. As the bill progresses through the legislative process, its implications for both policyholders and insurers will be closely monitored.

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

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