TX HB4961

Prohibits individuals from recovering noneconomic damages (such as pain and suffering) for injuries or property damage from a motor vehicle collision if they failed to maintain required financial responsibility (auto insurance) under Texas law at the time of the collision

Extends the prohibition to wrongful death actions, barring personal representatives from recovering noneconomic damages on behalf of a deceased individual who lacked financial responsibility when the fatal collision occurred

Requires a three-fifths supermajority vote in both chambers of the Texas Legislature to take effect, as it exercises authority under Section 66(c), Article III of the Texas Constitution

Applies only to causes of action that accrue on or after the effective date, meaning existing claims are not affected

Takes effect September 1, 2025