Monitoring the Session

HB 522

Walle Bill Caps Liability Premiums At What Your Car Is Worth

Filed

Verdict: No flags

No flagsInitial review
Rep. Armando WalleDHouse 140

Initial review · graded Nov 9, 2026 · How we grade

Caption

relating to an annual premium limit for automobile liability insurance.

Caption from analyzed text · version I.

Summary

Cheap car? Your yearly liability premium can’t top its total loss value, starting 2028.

The bill bars auto insurers from charging a yearly premium for the liability part of a car insurance policy that is more than the total loss value of the insured vehicle or vehicles. It covers the auto insurers named in the Insurance Code section the bill cites, plus county mutual insurance companies, and the drivers they insure. Starting with policies issued or renewed on or after January 1, 2028, drivers of low-value cars cannot be charged more for liability coverage in a year than their cars are worth.

Labels

Labels: QUICK READ: 140 WORDS. The bill as filed runs 140 words, counting the existing law it amends and the text it strikes. The median 90R bill as filed runs 407 words (derived, 1,039 graded bills, snapshot Nov 10, 2026).

Receipt

The receipt

90R-HB522 · 2026-11-09

SOLD BY

Rep. Armando WalleDHouse 140

ITEM

relating to an annual premium limit for automobile liability insurance.

WHAT IT DOES

Cheap car? Your yearly liability premium can’t top its total loss value, starting 2028.

The bill bars auto insurers from charging a yearly premium for the liability part of a car insurance policy that is more than the total loss value of the insured vehicle or vehicles. It covers the auto insurers named in the Insurance Code section the bill cites, plus county mutual insurance companies, and the drivers they insure. Starting with policies issued or renewed on or after January 1, 2028, drivers of low-value cars cannot be charged more for liability coverage in a year than their cars are worth.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

  1. Filed
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Armando Walle

Donors

Texas Trial Lawyers Association PAC$43KTexas REALTORS Political Action Committee$18KBorder Health PAC$10K

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 · Jul 4, 2024 to Oct 24, 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 Trial Lawyers Association PAC$42,500.00

Texas Trial Lawyers Association PAC

$42,500.00

Cash
$42,500.00
Paid by others
$0.00
Total
$42,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Nov 19, 2024 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: 100985345, 101012323, 101027868, 101056902, 101071964.

Texas REALTORS Political Action Committee$17,500.00

Texas REALTORS Political Action Committee

$17,500.00

Cash
$17,500.00
Paid by others
$0.00
Total
$17,500.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Nov 25, 2024 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: 100985345, 101012323, 101056902, 101071964.

Border Health PAC$10,000.00

Border Health PAC

$10,000.00

Cash
$10,000.00
Paid by others
$0.00
Total
$10,000.00

Also funds 17 other sitting lawmakers.

Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · on Dec 15, 2025. 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: 101027868.

Money

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

×

Texas Trial Lawyers Association PAC

$42,500.00

Cash
$42,500.00
Paid by others
$0.00
Total
$42,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Nov 19, 2024 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: 100985345, 101012323, 101027868, 101056902, 101071964.

×

Texas REALTORS Political Action Committee

$17,500.00

Cash
$17,500.00
Paid by others
$0.00
Total
$17,500.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Nov 25, 2024 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: 100985345, 101012323, 101056902, 101071964.

×

Border Health PAC

$10,000.00

Cash
$10,000.00
Paid by others
$0.00
Total
$10,000.00

Also funds 17 other sitting lawmakers.

Derived recipient stock · Oct 28, 2024 to Aug 26, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · on Dec 15, 2025. 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: 101027868.

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 a super-expensive superintelligence, Nov 9, 2026, against the published rubric.

Sources

Texas House · Filed Nov 9, 2026

11/09/2026 H Filed

Texas Legislature Online · Introduced

Data snapshot Nov 10, 2026 at 2:34 AM CST. Grades, charges, quotes and corrections follow the published record.

Subjects

Insurance--Motor Vehicles

Text

The text as introduced · 140 words

90R1144 SCR-D

By: Walle
H.B. No. 522

A BILL TO BE ENTITLED

AN ACT

relating to an annual premium limit for automobile liability

insurance.

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

SECTION 1. Subchapter B, Chapter 1953, Insurance Code, is

amended by adding Section 1953.053 to read as follows:

Sec. 1953.053. ANNUAL PREMIUM LIMIT FOR LIABILITY COVERAGE.

An insurer described by Section 1952.001 or a county mutual

insurance company may not charge an insured an annual premium for

the liability portion of an automobile insurance policy that

exceeds the total loss value of the covered vehicle or vehicles.

SECTION 2. Section 1953.053, 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.