Monitoring the Session

HB 5017

insurers must try five times to reach a silent policyholder

Died in committee

Verdict: No flags

No flagsInitial review
Rep. Matt MorganRHouse 26

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to the effects of unresponsive insureds for a personal automobile insurance policy.

Caption from analyzed text · version I.

Summary

Five attempts within 45 days after a claim.

The bill requires every personal auto insurance policy in Texas to include a rule for when the policyholder will not respond after someone else files a liability claim against them. The insurer must try to reach the named insured at least five times, or until the insured responds, within 45 days after the claim is made. If the insurer cannot reach the insured in that window, it must pay the third party's claim under the policy and must not renew the policy, starting with policies issued or renewed on or after January 1, 2026.

Labels

Labels: NEVER GOT A HEARING. Filed Mar 13, 2025 and referred to the House Insurance committee. No public hearing. The bill died.

Receipt

The receipt

89R-HB5017 · 2025-03-13

SOLD BY

Rep. Matt MorganRHouse 26

ITEM

relating to the effects of unresponsive insureds for a personal automobile insurance policy.

WHAT IT DOES

Five attempts within 45 days after a claim.

The bill requires every personal auto insurance policy in Texas to include a rule for when the policyholder will not respond after someone else files a liability claim against them. The insurer must try to reach the named insured at least five times, or until the insured responds, within 45 days after the claim is made. If the insurer cannot reach the insured in that window, it must pay the third party's claim under the policy and must not renew the policy, starting with policies issued or renewed on or after January 1, 2026.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Insurance
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Matt Morgan

Donors

Texas Conservative Majority PAC$199KTexans for Lawsuit Reform PAC$150KTexans for Truth and Liberty PAC$55K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 27, 2024 to Oct 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texas Conservative Majority PAC$199,350.00

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

Texans for Lawsuit Reform PAC$150,123.30

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

Texans for Truth and Liberty PAC$55,000.00

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101006291, 101067971, 101072248.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Texas Conservative Majority PAC

$199,350.00

Cash
$125,000.00
Paid by others
$74,350.00
Total
$199,350.00
canvassing $58,100.00polling $16,250.00

Also funds 42 other sitting lawmakers.

Derived recipient stock · Jan 23, 2026 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 17, 2026 to Oct 8, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

×

Texans for Lawsuit Reform PAC

$150,123.30

Cash
$105,000.00
Paid by others
$45,123.30
Total
$150,123.30
mail $28,873.30polling $16,250.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Aug 20, 2026 to Oct 5, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101067971, 101072248.

×

Texans for Truth and Liberty PAC

$55,000.00

Cash
$55,000.00
Paid by others
$0.00
Total
$55,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 24, 2025 to Sep 30, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101006291, 101067971, 101072248.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 13, 2025

04/03/2025 H Referred to Insurance: Apr 3 2025 12:38PM

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Final status: Died in committee

Companion

SB 1791 by Middleton (identical)

Subjects

Insurance--Motor Vehicles

Text

The text as introduced · 224 words

89R12793 SCL-D

By: Morgan
H.B. No. 5017

A BILL TO BE ENTITLED

AN ACT

relating to the effects of unresponsive insureds for a personal

automobile insurance policy.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Subchapter B, Chapter 1952, Insurance Code, is

amended by adding Section 1952.061 to read as follows:

Sec. 1952.061. REQUIRED PROVISION: UNRESPONSIVE INSUREDS.

(a) This section applies to an insurer authorized to write

automobile insurance in this state, including an insurance company,

reciprocal or interinsurance exchange, mutual insurance company,

capital stock company, county mutual insurance company, Lloyd's

plan, or other entity.

(b) A personal automobile insurance policy must contain a

provision requiring the insurer to:

(1) attempt to communicate with the named insured at

least five times or until the insured responds during the 45-day

period following the date a liability claim is made against the

insured by a third party; and

(2) if the insurer is unable to communicate with the

named insured during that period:

(A) pay the claim to the third-party claimant in

accordance with the policy; and

(B) decline to renew the policy.

SECTION 2. Section 1952.061, Insurance Code, as added by

this Act, applies only to an insurance policy delivered, issued for

delivery, or renewed on or after January 1, 2026.

SECTION 3. This Act takes effect September 1, 2025.