The bill, S.B. No. 2755, introduces a new subchapter to Chapter 72 of the Civil Practice and Remedies Code, specifically addressing liability for collisions involving motorists who have not established financial responsibility as required by Texas law. It defines "financial responsibility" and "noneconomic damages," outlining that individuals who fail to establish financial responsibility cannot recover damages for bodily injury, death, or property damage resulting from a motor vehicle collision. This prohibition also extends to the personal representatives of deceased individuals in wrongful death actions.

However, the bill provides exceptions to this prohibition, allowing recovery for individuals who had only recently failed to establish financial responsibility (not exceeding 45 days), passengers in vehicles, minors, active-duty military members returning from deployment, and cases involving reckless or intentional actions by the other party. The bill emphasizes that the limitation on liability for noneconomic damages will only take effect if it receives a three-fifths vote from both houses of the legislature and will apply to causes of action accruing after its effective date of September 1, 2025.

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