TX SB1429

Requires insurers to use original equipment manufacturer (OEM) parts, products, and repair processes for vehicles owned 36 months or less that were purchased new, unless the insured or third-party claimant signs a written disclosure opting for non-original equipment

Prohibits insurers from limiting policyholders' choice of repair person or facility for vehicles owned 36 months or less, and extends similar protections to third-party claimants in liability claims

For vehicles owned more than 36 months, prohibits insurers from specifying the brand, type, vendor, or condition of parts, or from limiting the choice of repair facility or process

Requires a signed written disclosure in at least 12-point font before repairs begin if an insured or claimant chooses non-original equipment, explaining the estimate uses non-OEM parts and that warranty coverage comes from the aftermarket manufacturer

Prohibits insurers from requiring or requesting repair facilities to use any specific percentage of non-original equipment in vehicle repairs

Applies to insurance policies delivered, issued, or renewed on or after January 1, 2026, with an effective date of September 1, 2025