TX HB3095

Prohibits individuals who lack required auto insurance (financial responsibility) at the time of a collision from recovering damages for bodily injury, death, property damage, or noneconomic damages resulting from the crash

Bars personal representatives from pursuing wrongful death claims on behalf of deceased individuals who were uninsured at the time of the collision

Provides exceptions for individuals whose insurance lapsed for 45 days or less after maintaining continuous coverage for at least one year, passengers who were not owners/operators of the uninsured vehicle, minors under 18, and active-duty military members within 6 months of returning from deployment

Preserves the right to recover damages when the at-fault driver was intoxicated, acted intentionally or with gross negligence, fled the scene, or was committing a felony

Takes effect September 1, 2025, requires a three-fifths vote in each legislative chamber to pass, and applies only to causes of action arising after the effective date