The bill, H.B. No. 3095, introduces a new subchapter to the Civil Practice and Remedies Code that establishes liability limitations for individuals involved in motor vehicle collisions who have failed to demonstrate financial responsibility as required by Texas law. Specifically, it prohibits individuals from recovering damages for bodily injury, death, or property damage, as well as noneconomic damages, if they did not establish financial responsibility in accordance with Chapter 601 of the Transportation Code. The bill also outlines exceptions to this prohibition, including cases where the individual had only recently failed to establish financial responsibility or was a passenger in a vehicle not owned or operated by them.

Additionally, the bill defines key terms such as "financial responsibility" and "noneconomic damages," detailing what constitutes noneconomic damages and explicitly excluding various types of pecuniary losses. The limitations on liability for noneconomic damages will only take effect if the bill receives a three-fifths vote from both houses of the Texas Legislature. The provisions of this bill will apply to causes of action that accrue on or after its effective date of September 1, 2025.

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