A BILL for an Act to create and enact a new section to chapter 26.1-40 of the North Dakota Century Code, relating to auto glass insurance coverage.
Summary
HB 1240 would require insurers that offer automobile comprehensive or collision coverage in North Dakota to make available at least one policy that includes additional coverage for repair or replacement of damaged auto glass. The bill is aimed at ensuring consumers have an option for glass-specific protection rather than relying solely on standard comprehensive or collision coverage.
The bill also specifies that auto glass coverage must use a separate deductible or a predeductible for glass replacement. In practical terms, this means the glass claim would be handled under its own cost-sharing structure, which could make coverage more predictable for policyholders and distinguish it from other vehicle damage claims.
Impact
If enacted, the bill would add a new section to chapter 26.1-40 of the North Dakota Century Code and impose a new coverage-offering requirement on insurers selling auto comprehensive or collision policies. It would affect automobile insurers and policyholders by requiring at least one policy option with dedicated auto glass coverage and a separate deductible structure for glass claims.
Sentiment
The bill appears to have had limited support in the House, where it failed on second reading by a wide margin, 8 yeas to 84 nays. With no committee transcript available, the recorded vote is the main indicator of sentiment, and it suggests the chamber was generally opposed to the proposal or unconvinced that it should be adopted.
Contention
The likely point of contention was whether the state should mandate that insurers offer a specific auto glass coverage option and require a separate deductible structure. Supporters may have viewed the bill as consumer-friendly and helpful for drivers facing windshield or glass repair costs, while opponents likely saw it as an unnecessary insurance mandate that could affect policy design, pricing, or insurer flexibility. The strong negative vote indicates substantial resistance in the House.
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