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A BILL TO BE ENTITLED
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AN ACT
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relating to personal automobile or residential property insurance |
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premium increases for claims subject to sovereign, governmental, or |
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official immunity. |
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BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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SECTION 1. Subtitle A, Title 10, Insurance Code, is amended |
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by adding Chapter 1808 to read as follows: |
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CHAPTER 1808. PROHIBITED PRACTICES RELATED TO PERSONAL LINES |
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Sec. 1808.001. PERSONAL AUTOMOBILE OR RESIDENTIAL PROPERTY |
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PREMIUM INCREASE PROHIBITED FOR CLAIM SUBJECT TO IMMUNITY. (a) |
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This section applies to an insurer writing personal automobile or |
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residential property insurance in this state, including an |
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insurance company, reciprocal or interinsurance exchange, mutual |
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insurance company, capital stock company, county mutual insurance |
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company, farm mutual insurance company, Lloyd's plan, or other |
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insurer. |
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(b) An insurer may not increase the premium on a personal |
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automobile or residential property insurance policy solely as a |
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result of a claim made under the policy for damage or injury |
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sustained as a result of an action by a governmental body, officer, |
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or employee who has sovereign, governmental, or official immunity |
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from suit or liability for the claim. |
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SECTION 2. Section 1808.001, Insurance Code, as added by |
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this Act, applies only to an insurance policy delivered, issued for |
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delivery, or renewed on or after January 1, 2026. |
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SECTION 3. This Act takes effect September 1, 2025. |