AB 2591 Summary

• Authorizes insurers and licensed insurance professionals to transmit certain insurance notices and renewal offers electronically, including policy renewal offers, cancellation notices, and earthquake insurance disclosures, subject to consumer consent and compliance with specified requirements.

• Requires licensees to obtain opt-in consent from consumers before sending records electronically, disclose that enrollment is voluntary and can be withdrawn, provide one free printed copy annually upon request, and maintain proof of delivery and receipt.

• Removes certain insurance-related notices from exemptions under California's electronic transactions law, making them subject to electronic transmission provisions effective immediately through January 1, 2021.

• Establishes that as of January 1, 2021, conditional renewal notices for commercial insurance may no longer be sent electronically, and notices of lapse, nonrenewal, cancellation, or termination must be transmitted both electronically and by mail.

• Directs the Insurance Commissioner to report to the Legislature by January 1, 2019, on the impact and implementation of electronic transmission of insurance renewals and notices.