Minnesota House Bill HF2607

Minnesota 2025-2026 Regular Session

• Introduced: 3/20/25
• Refer: 3/20/25
• Report Pass: 4/1/25

Caption

Insurers required to provide copy of current policy to insured.

Summary

HF2607 requires insurers to provide insureds with a copy of their current automobile or homeowner’s policy upon request. The bill applies after an original policy has been issued under the referenced Minnesota insurance statutes and requires the insurer to deliver the current policy to the first named insured within 21 days of receiving the request. The policy copy may be provided in paper form, electronically, or through a website link. The bill also limits the obligation to once per policy period, meaning an insurer must satisfy only one request for a current policy during each policy term. In effect, the measure creates a clear statutory right for policyholders to obtain an up-to-date copy of their coverage documents without having to rely on prior paperwork or insurer-specific practices.

Impact

The bill amends Minnesota Statutes section 72A.20 by adding a new subdivision governing insurer disclosure obligations. It affects automobile insurers and homeowner’s insurers by imposing a mandatory response timeline and delivery methods for current policy copies, and it benefits first named insureds by improving access to policy terms, endorsements, and coverage details. The change is primarily administrative and consumer-protective, with no indication that it alters coverage standards or premium-setting rules.

Sentiment

The available legislative record suggests generally favorable sentiment toward the bill. It was introduced, referred to the House Commerce Finance and Policy Committee, and then placed on the General Register as amended, which indicates it advanced without recorded opposition in the materials provided. No committee transcript or vote record is included, so there is no evidence of controversy in the available context.

Contention

No specific points of contention are documented in the provided materials. Based on the bill text, any debate would likely center on the administrative burden for insurers versus the consumer benefit of easier access to policy documents, as well as whether electronic delivery and website links are sufficient substitutes for paper copies. However, no named legislators, stakeholders, or formal objections are present in the record supplied here.