MN HF895

Modifies notice requirements for property and casualty insurance policies to allow notices to be "given or obtained" in writing or in the same medium as the application, removing prior requirements for specific delivery timelines and documentation methods.

Eliminates the requirement that insurance appraisers must be state residents, while maintaining requirements that they be disinterested and willing to act.

Permits verbal authorization for insurance information disclosure or collection in lieu of signed authorization, provided an electronic record of the verbal authorization is retained in compliance with section 325L.12.

Defines "signed" to include both written signatures and electronic signatures as defined in Minnesota Statutes section 325L.02.

Allows authorization to collect personal information to be provided in writing or in the same medium as the insurance application, rather than requiring written authorization only.