Property & Casualty Insurance Documents & Forms

The act repeals requirements for insurers that issue commercial and personal automobile, homeowners, and renters insurance policies to provide certain policy documents in an insured's selected language of choice and instead requires insurers that issue personal automobile insurance policies in the state (insurers), starting January 1, 2026, to:

• Provide to insureds who have completed a language selection form or, at the option of the insurer, to all insureds a summary document that is in Spanish, that is in a form specified by the commissioner of insurance (commissioner) by rule, that explains the coverages and exclusions under the policy and that specifies the coverages and exclusions the insured selected and rejected; and
• Offer insureds or applicants for insurance a form to select to receive the summary document.

If an insurer fails to comply with the requirements of the act, the insured may elect to void any mandatory coverage rejections or exclusions in the automobile insurance policy, may recover reasonable attorney fees and costs incurred for reinstating or rewriting the coverage, and is not required to pay any premium for the policy period applicable for the reinstated or rewritten coverage.

Additionally, the act includes on the consumer insurance council a consumer whose first language is not English and requires the commissioner to work with councils established within the division of insurance to engage with bilingual insurance brokers regarding the insurance market for non-English-speaking consumers.

APPROVED by Governor May 31, 2024

EFFECTIVE May 31, 2024
(Note: This summary applies to this bill as enacted.)