| 1 | 1 | | 89R2338 SCL-D |
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| 2 | 2 | | By: West S.B. No. 593 |
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| 3 | 3 | | |
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| 4 | 4 | | |
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| 5 | 5 | | |
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| 6 | 6 | | |
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| 7 | 7 | | A BILL TO BE ENTITLED |
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| 8 | 8 | | AN ACT |
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| 9 | 9 | | relating to personal automobile or residential property insurance |
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| 10 | 10 | | premium increases for claims subject to sovereign, governmental, or |
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| 11 | 11 | | official immunity. |
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| 12 | 12 | | BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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| 13 | 13 | | SECTION 1. Subtitle A, Title 10, Insurance Code, is amended |
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| 14 | 14 | | by adding Chapter 1808 to read as follows: |
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| 15 | 15 | | CHAPTER 1808. PROHIBITED PRACTICES RELATED TO PERSONAL LINES |
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| 16 | 16 | | Sec. 1808.001. PERSONAL AUTOMOBILE OR RESIDENTIAL PROPERTY |
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| 17 | 17 | | PREMIUM INCREASE PROHIBITED FOR CLAIM SUBJECT TO IMMUNITY. (a) |
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| 18 | 18 | | This section applies to an insurer writing personal automobile or |
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| 19 | 19 | | residential property insurance in this state, including an |
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| 20 | 20 | | insurance company, reciprocal or interinsurance exchange, mutual |
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| 21 | 21 | | insurance company, capital stock company, county mutual insurance |
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| 22 | 22 | | company, farm mutual insurance company, Lloyd's plan, or other |
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| 23 | 23 | | insurer. |
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| 24 | 24 | | (b) An insurer may not increase the premium on a personal |
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| 25 | 25 | | automobile or residential property insurance policy solely as a |
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| 26 | 26 | | result of a claim made under the policy for damage or injury |
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| 27 | 27 | | sustained as a result of an action by a governmental body, officer, |
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| 28 | 28 | | or employee who has sovereign, governmental, or official immunity |
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| 29 | 29 | | from suit or liability for the claim. |
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| 30 | 30 | | SECTION 2. Section 1808.001, Insurance Code, as added by |
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| 31 | 31 | | this Act, applies only to an insurance policy delivered, issued for |
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| 32 | 32 | | delivery, or renewed on or after January 1, 2026. |
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| 33 | 33 | | SECTION 3. This Act takes effect September 1, 2025. |
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