The bill, S.B. No. 593, introduces Chapter 1808 to the Texas Insurance Code, which establishes new regulations regarding personal automobile and residential property insurance premiums. Specifically, it prohibits insurers from increasing premiums solely due to claims made for damages or injuries resulting from actions by governmental bodies, officers, or employees who possess sovereign, governmental, or official immunity. This provision applies to various types of insurers, including mutual and capital stock companies, among others.

The new regulations will take effect on September 1, 2025, and will apply to insurance policies that are delivered, issued for delivery, or renewed on or after January 1, 2026. This legislation aims to protect policyholders from premium increases that could arise from claims related to actions by entities or individuals shielded by immunity, thereby promoting fairness in the insurance market.

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