Various Civil and Insurance Law Changes.

Added mandatory arbitration requirements for uninsured and underinsured motor vehicle liability policies.

Corrected the short title to reflect the new arbitration requirements and adjusted line numbering.

Added the Senate Judiciary Committee adoption date of June 17, 2026.

Adjusted text in Section 1 regarding instructor authority to fix a line break and remove redundant phrasing.

Corrected a line break error in Section 4 regarding inexperienced operator surcharges.

Added Senate Finance Committee adoption date of June 16, 2026, and updated the bill version number from 3 to 4.

The short title was modified to include new provisions for landlords charging tenants for insurance and updating peer-to-peer vehicle sharing rules.

Removed the previous reference to the North Carolina Motor Vehicle Glass Act from the short title.

Minor formatting adjustments were made to the short title and header information.

Added new sections covering prelicensing education qualifications, mortgage licensee restrictions, and inexperienced driver reporting requirements.

Created the North Carolina Motor Vehicle Glass Act and updated provisions for peer-to-peer vehicle sharing.

Removed specific provisions regarding insurance rebates and trade practices that were the sole focus of the original bill.

Added requirements for beach property insurance coverage for habitational property contents to be set in accordance with state approved rates.

Changed the effective date for inexperienced operator continuous coverage requirements from July 1, 2026, to January 1, 2027.

Included technical corrections to remove references to prelicensing education and allow cash convenience fees under one dollar.

The language regarding noncash gifts and charitable donations was changed from 'on behalf of a customer' to 'on behalf of a customer' to clarify the beneficiary of the gift.

The document header was updated to reflect the 'Committee Substitute Favorable 5/6/25' status, and section 2 was renumbered to include a subsection (a).

Added a list of nine specific categories of value-added products or services (e.g., loss mitigation, risk assessment, financial wellness) that insurers can provide to customers.

Established four strict criteria that must be met for these offerings: they must relate to the insurance coverage, costs must be reasonable compared to premiums, customers must receive contact information for questions, and availability must be based on objective, non-discriminatory criteria.

Created a pilot program provision allowing insurers to test new products based on good-faith beliefs for up to one year with prior notice to the Department of Insurance.

Defined 'customer' to include policyholders, potential policyholders, insureds, applicants, and certificate holders.

Changed the document format from a Senate amendment draft to the official House Bill text, including updated session dates and bill numbering.

Deleted the definition of unfair methods of competition and deceptive acts related to insurance rebates.

Deleted the criteria and rules governing the offer of value-added products or services by insurers and producers.

Deleted the provisions allowing for pilot programs regarding value-added services.

Changed the document header from a standard House Bill format to an 'Adopted Amendment' format, indicating a procedural shift in how the bill is being processed.