Relating to the effects of unresponsive insureds for a personal automobile insurance policy.

HB 5017 requires Texas auto insurers to attempt at least five contacts with a policyholder within 45 days after a third party files a liability claim against them. If the insurer cannot reach the policyholder during that period, they must pay the claim to the third party and decline to renew the policy. This rule applies only to personal auto insurance policies delivered, issued, or renewed on or after January 1, 2026. The bill takes effect September 1, 2025, giving insurers time to adjust their processes.