Monitoring the SessionHB 1115
Filed
Initial review · graded Nov 12, 2026 · How we grade
relating to the effects of unresponsive insureds for a personal automobile insurance policy.
Caption from analyzed text · version I.
Insurer tries five times in 45 days. No answer? It pays the claim and won’t renew.
This bill requires every personal auto insurance policy in Texas to include a rule for what happens when a policyholder goes silent after someone else files a liability claim against them. The insurer must try to reach the policyholder at least five times, or until the policyholder answers, within 45 days of the claim. If the insurer still cannot reach them, it must pay the third party's claim under the policy and refuse to renew the policy, starting with policies issued or renewed on or after January 1, 2028.
Labels: BACK FROM THE DEAD. Same text as a bill filed before that died: 89R HB 5017 (Died in committee). Filed in 2 sessions, counting this one. Checked against 88R and 89R only.TRY NO. 2. Filed in 2 sessions: 89R and 90R. Checked against 88R and 89R only.
90R-HB1115 · 2026-11-12
relating to the effects of unresponsive insureds for a personal automobile insurance policy.
Insurer tries five times in 45 days. No answer? It pays the claim and won’t renew.
This bill requires every personal auto insurance policy in Texas to include a rule for what happens when a policyholder goes silent after someone else files a liability claim against them. The insurer must try to reach the policyholder at least five times, or until the policyholder answers, within 45 days of the claim. If the insurer still cannot reach them, it must pay the third party's claim under the policy and refuse to renew the policy, starting with policies issued or renewed on or after January 1, 2028.
[ ] NONE FOUND
No fiscal note in the loaded record.
2026-11-12 Filed (per the TLO filing feed)
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
Not tied to this bill.
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.
$199,350.00
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.
TeamDerived 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.
$150,123.30
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.
TeamDerived 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.
$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.
TeamDerived 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.
Missing data does not establish zero giving. Display amounts are rounded.
$199,350.00
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.
TeamDerived 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.
$150,123.30
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.
TeamDerived 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.
$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.
TeamDerived 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.
No floor vote loaded for this bill.
No fiscal note in the loaded record.
Analysis of text version I by a super-expensive superintelligence, Nov 12, 2026, against the published rubric.
Filed 2 times: 89R and now. Checked against 88R and 89R only.
by Rep. Morgan, same lead author · Died in committee · same text
Introduced textLast action, Apr 3, 2025: Referred to Insurance
Relating to the effects of unresponsive insureds for a personal automobile insurance policy.
Caption, 89R bill history
Texas House · Filed Nov 12, 2026
2026-11-12 Filed (per the TLO filing feed)
Texas Legislature Online · Introduced text: HTML · PDF
Data snapshot Nov 12, 2026 at 5:07 PM CST. Grades, charges, quotes and corrections follow the published record.
The text as introduced · 222 words
90R2446 SCL-D By: Morgan H.B. No. 1115 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 an 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 an 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, 2028. SECTION 3. This Act takes effect September 1, 2027.