TX HB5017

Requires personal automobile insurance policies to include a provision mandating insurers attempt to contact the named insured at least five times within 45 days after a third-party liability claim is filed against the insured

If the insurer cannot reach the insured during the 45-day period, the insurer must pay the liability claim to the third-party claimant in accordance with the policy terms

Insurers must decline to renew the policy of any insured who remains unresponsive during the 45-day claim communication period

Applies to all entities authorized to write automobile insurance in Texas, including insurance companies, mutual insurance companies, reciprocal exchanges, county mutual companies, Lloyd's plans, and capital stock companies

Takes effect September 1, 2025, and applies to policies delivered, issued, or renewed on or after January 1, 2026