HB 722: bill making car insurers explain how appraisers price a loss

Caption

relating to the disclosure of appraisal methods by automobile insurers.

Summary

Ask, and the insurer puts the math in writing.

The bill requires car insurers in Texas to give a written explanation of how their appraisers figure the amount of a loss when a person whose vehicle is being appraised asks for it. It covers every kind of auto insurer, including county mutuals, Lloyd's plans and reciprocal exchanges, along with the drivers whose cars they appraise. Starting with policies issued or renewed on or after January 1, 2026, a driver can request and receive the formulas and methods used to set repair costs and salvage value.

Labels

Labels: ACROSS THE AISLE. Joint authors: 1 Republican, 1 Democrat. Party as the Legislative Reference Library lists it for the 89th Legislature.GOT HALFWAY. Passed the House on May 13, 2025. Died in the Senate: never got out of the Business & Commerce committee.

Receipt

The receipt

89R-HB722 · 2024-11-12

SOLD BY

Rep. John H. Bucy IIIDHouse 136

Rep. Matt MorganRHouse 26

ITEM

relating to the disclosure of appraisal methods by automobile insurers.

WHAT IT DOES

Ask, and the insurer puts the math in writing.

The bill requires car insurers in Texas to give a written explanation of how their appraisers figure the amount of a loss when a person whose vehicle is being appraised asks for it. It covers every kind of auto insurer, including county mutuals, Lloyd's plans and reciprocal exchanges, along with the drivers whose cars they appraise. Starting with policies issued or renewed on or after January 1, 2026, a driver can request and receive the formulas and methods used to set repair costs and salvage value.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 29, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

Nov 12, 2024Filed
Mar 4, 2025Read first time
Mar 4, 2025Referred to Insurance
Apr 9, 2025Scheduled for public hearing on . . .
Apr 9, 2025Considered in public hearing
Apr 9, 2025Testimony taken/registration(s) recorded in committee
Apr 9, 2025Left pending in committee
Apr 28, 2025Considered in formal meeting
Apr 28, 2025Committee substitute considered in committee
Apr 28, 2025Reported favorably as substituted
May 5, 2025Comte report filed with Committee Coordinator
May 5, 2025Committee report distributed
May 6, 2025Committee report sent to Calendars
May 7, 2025Considered in Calendars
May 9, 2025Placed on General State Calendar
May 12, 2025Read 2nd time
May 12, 2025Passed to engrossment
May 12, 2025Record vote RV#2189
May 12, 2025Statement(s) of vote recorded in Journal
May 13, 2025Read 3rd time
May 13, 2025Passed
May 13, 2025Record vote RV#2261
May 13, 2025Statement(s) of vote recorded in Journal
May 13, 2025Reported engrossed
May 14, 2025Received from the House
May 14, 2025Read first time
May 14, 2025Referred to Business & Commerce

FILED UNDER

No verified beat found.

SIGNED FOR BY

House · 118 yea · 22 nay

Sources

House: Final passage · May 13, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

All floor motions and other positions below.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

John H. Bucy III

Donors

Agave Democratic Infrastructure Fund$56KAdam Loewy$20,000Texas Sands PAC$17K

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 28, 2024 to Oct 23, 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.

Agave Democratic Infrastructure Fund$56,000.00

Agave Democratic Infrastructure Fund

$56,000.00

Cash: $25,000.00
Paid by others: $31,000.00
Total: $56,000.00

consulting $31,000.00

Also funds 5 other sitting lawmakers.

Derived recipient stock · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Nov 22, 2024 to Oct 12, 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: 100986907, 101059773, 101069326, 101072293.

Adam Loewy$20,000.00

Texas Sands PAC$17,000.00

Texas Sands PAC

$17,000.00

Cash: $17,000.00
Paid by others: $0.00
Total: $17,000.00

Also funds 121 other sitting lawmakers.

Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 9, 2024 to Sep 29, 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: 100986907, 101032801, 101059773, 101072293.

Money

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

×

Agave Democratic Infrastructure Fund

$56,000.00

Cash: $25,000.00
Paid by others: $31,000.00
Total: $56,000.00

consulting $31,000.00

Also funds 5 other sitting lawmakers.

Derived recipient stock · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Nov 22, 2024 to Oct 12, 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: 100986907, 101059773, 101069326, 101072293.

×

Texas Sands PAC

$17,000.00

Cash: $17,000.00
Paid by others: $0.00
Total: $17,000.00

Also funds 121 other sitting lawmakers.

Derived recipient stock · Jul 3, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 9, 2024 to Sep 29, 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: 100986907, 101032801, 101059773, 101072293.

Votes2

House May 13, 2025

Yea: 118
Nay: 22
Present, not voting: 2
Absent: 4
Excused: 4

Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 2261

HB 722 was passed by (Record 2261): 118 Yeas, 22 Nays, 2 Present, not voting.

Published stock of positions for this vote, except where marked derived.

Yea: 118 (published)
Nay: 22 (published)
Present, not voting: 2 (published)
Absent: 4 (derived from named list)
Excused: 4 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

House May 12, 2025

Yea: 127
Nay: 10
Present, not voting: 2
Absent: 7
Excused: 4

Names

Named positions matched to lawmakers. See the journal for unmatched names.

House journal

Sources

Record 2189

CSHB 722 was passed to engrossment by (Record 2189): 127 Yeas, 10 Nays, 2 Present, not voting.

Published stock of positions for this vote, except where marked derived.

Yea: 127 (published)
Nay: 10 (published)
Present, not voting: 2 (published)
Absent: 7 (derived from named list)
Excused: 4 (derived from named list)

House journal. Source snapshot 2026-10-19, Central time.

Witnesses11

For: 4
Against: 6
On: 1

Names

For

AARP Texas1 registration
Self2 registrations
Texas Watch1 registration

Against

Al Boenker Insurance Agency, Inc.1 registration
APCIA1 registration
GEICO1 registration
Insurance Council of Texas1 registration
Texas Coalition for Affordable Insurance Solutions1 registration
USAA1 registration

On

Texas Department of Insurance1 registration

Sources

11 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

House witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version H · source

Sources

Fiscal note · version H · April 29, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

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 Nov 12, 2024

05/14/2025 S Referred to Business & Commerce

Texas Legislature Online · Introduced · House Committee Report · Engrossed

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

House committee · Insurance · Committee vote 8 aye, 0 nay, 1 absent · Out of committee

Senate committee · Business & Commerce · Final status: Died in committee

Subjects

Insurance--Insurers & Agents

Insurance--Motor Vehicles

Insurance--Property & Casualty

Text

The text as introduced · 202 words

89R3465 SCR-D

By: Bucy
H.B. No. 722

A BILL TO BE ENTITLED

AN ACT

relating to the disclosure of appraisal methods by automobile

insurers.

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

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

amended by adding Section 1952.308 to read as follows:

Sec. 1952.308. DISCLOSURE OF APPRAISAL METHODS ON REQUEST.

(a) This section applies to an insurer writing automobile

insurance in this state, including an insurance company,

corporation, reciprocal or interinsurance exchange, mutual

insurance company, capital stock company, association, county

mutual insurance company, Lloyd's plan, and any other insurer.

(b) On request of a person whose vehicle is being appraised

by an insurer for the amount of loss, the insurer shall provide to

the person a written explanation of any procedures, formulas,

calculations, or other methods used by its appraisers to determine

the amount of loss, including the cost of observed or predicted

repairs and the salvage value of the automobile.

SECTION 2. Section 1952.308, Insurance Code, as added by

this Act, applies only to an insurance policy that is delivered,

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

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

Verdict: No flags

The receipt

SOLD BY

ITEM

WHAT IT DOES

CHARGES

TOTAL

HISTORY

SIGNED FOR BY

Donors

Agave Democratic Infrastructure Fund

Texas Sands PAC

Agave Democratic Infrastructure Fund

Texas Sands PAC

House May 13, 2025

House May 12, 2025

For

Against

On