HB 5736 Summary

• Adds a 90-day grace period after the bill's effective date during which automobile insurers cannot refuse coverage, deny renewal, limit coverage, charge reinstatement fees, or increase premiums solely because an applicant failed to maintain required insurance on a vehicle during the preceding 6-month period.

• Modifies section 2118 to clarify that underwriting rules must be "as provided in" rather than "pursuant to" this section and sections 2119 and 2120, and adds references to the new section 2116b as an exception to lapse-in-coverage underwriting criteria.

• Updates section 2118(2)(d) to allow applicants to provide certification on an insurer-provided form that required insurance was maintained during the 6-month period preceding application, rather than requiring proof from the insurance company directly.

• Modifies section 2120 to include similar exceptions referencing section 2116b for failure to maintain required insurance coverage during the 6-month period before application or renewal.

• Makes minor grammatical changes throughout, replacing "shall" with "must," "shall apply" with "applies," and similar verb tense corrections.