The bill, H.B. No. 1364, amends the Texas Insurance Code to enhance the provisions regarding uninsured or underinsured motorist coverage in automobile liability insurance policies. Key changes include the addition of new legal language that specifies county mutual insurance companies are now subject to Subchapter C and Subchapter D of Chapter 1952, as well as Articles 5.39 and 5.40. Additionally, the bill mandates that personal automobile insurance policy forms must provide the coverages required under these subchapters unless the named insured explicitly rejects them.

Furthermore, the bill repeals Section 1952.101(c) of the Insurance Code, which may streamline the regulatory framework for insurance providers. The changes will take effect for policies delivered, issued for delivery, or renewed on or after January 1, 2026, while policies issued before this date will continue to be governed by the previous law. The overall aim of the bill is to ensure that consumers have access to necessary coverage options while clarifying the obligations of insurance companies. The bill is set to take effect on September 1, 2025.

Statutes affected:
Introduced: Insurance Code 912.002, Insurance Code 2301.053, Insurance Code 1952.101 (Insurance Code 2301, Insurance Code 912, Insurance Code 1952)