Bill > SB593

This bill prevents insurance companies in Texas from raising premiums on personal automobile or residential property insurance policies when a policyholder files a claim for damage or injury caused by a government entity, officer, or employee who is protected by sovereign, governmental, or official immunity. The legislation applies to all types of insurers operating in the state, including traditional insurance companies, mutual insurance companies, county mutual insurers, and Lloyd's plans. Specifically, if an insured individual makes a claim related to an incident involving a government entity that is legally immune from liability, the insurance company cannot use that claim as a basis for increasing the policy's premium. The bill will take effect on September 1, 2025, and will apply to insurance policies delivered, issued, or renewed on or after January 1, 2026. This legislation aims to protect policyholders from being financially penalized when seeking compensation for damages caused by government-related incidents.

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https://capitol.texas.gov/BillLookup/History.aspx?LegSess=89R&Bill=SB593