TX SB1791

Requires personal automobile insurance policies to include a provision mandating insurers attempt to contact an insured at least five times (or until the insured responds) 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 according to the policy terms

Insurers must decline to renew the policy of any insured who remains unresponsive during the claims communication period

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

Takes effect September 1, 2025, with requirements applying to policies delivered, issued, or renewed on or after January 1, 2026