Transcript Highlights:

• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• Insured, there is the insured under the policy, so the insurer needs to work with the actual driver of
• It shifts the duties of both the insurer and the insured.
• An insurance company has a duty when their insured causes an accident and their insured gets sued.
• The insurance company has a duty to defend that insured.

Bills: SB458 , SB819 , SB1238 , SB1642 , SB1643 , SB1644 , SB1791 , SB1810 , SB1824 , SB1825 , SB758 , SB1455 , SB1706

Committee: Senate Business & Commerce

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• Initially, the bill was filed with $4 million worth of insurance.
• There has not been an insurance requirement to my knowledge.
• Statute, so we're adding a new insurance requirement.
• versus just generally having insurance?
• That they have at minimum amount of insurance coverage.

Bills: SB1772 , SB1958 , SB2010 , SB1595 , SB1687 , SB1684 , SB2049 , SB1966

Committee: Senate Aeronautics and Transportation

Keywords: motor vehicle safety, headlamps, headlights, fog lights, daytime running lights, auxiliary driving lamps, spot lamps, off-road lamps, bicycle lights, bicycle reflectors, vehicle lighting, roadway visibility, low visibility, rain, snow, wipers, night driving, traffic safety, Oklahoma Title 47, vehicle code

Transcript Highlights:

• There has not been an insurance requirement, to my knowledge, in statute, so we're adding a new insurance
• I'm not an insurance guy, so I may not know what I'm asking.
• of just saying we'll have insurance?
• I mean, like to mention liability or... ...will have insurance?
• that would be required versus just generally having insurance?

Bills: SB1772 , SB1958 , SB2010 , SB1595 , SB1687 , SB1684 , SB2049 , SB1966

Committee: Senate Aeronautics and Transportation

Keywords: motor vehicle safety, headlamps, headlights, fog lights, daytime running lights, auxiliary driving lamps, spot lamps, off-road lamps, bicycle lights, bicycle reflectors, vehicle lighting, roadway visibility, low visibility, rain, snow, wipers, night driving, traffic safety, Oklahoma Title 47, vehicle code

Summary: The Senate Aeronautics and Transportation Committee met and heard several transportation- and licensing-related bills. Senate Bill 1772, by Senator Peterson, would require headlights from sunset to sunrise and whenever windshield wipers are in use; after brief discussion about automatic headlights and enforcement, it advanced 8-4. Senate Bill 1958, by Senator Standridge, designated the I-35/Flood Avenue interchange as the Patrolman Mark Harris Memorial Interchange; after a question about the wording on the sign, it advanced unanimously 12-0. The committee then considered Senate Bill 2010, which would require non-citizen applicants to provide proof of lawful presence, mark limited-term Real IDs, and require an annual report. Members raised concerns about definitions, proof requirements, and whether the language matched the stated intent; the author agreed to strike the title and work on the language, and the bill advanced 11-1. Senate Bill 1595, described as a consumer protection/accountability measure for CDL training schools and grant administration, drew questions about steering students, agency recommendations, and whether lists of schools would still be allowed; it also advanced 11-1. Senate Bill 1687 would allow commercial driver training entities to proctor the written exam, and it passed 12-0. Senate Bill 1684, which requires companies doing highway remediation to carry liability insurance, was amended to set the minimum coverage at $3 million and to specify liability insurance; after discussion about subcontractors and safety, it passed 12-0. Senate Bill 1996, a memorial highway and bridge naming bill, was laid over after a question about whether the honoree was law enforcement, first responder, or military. The committee also announced that SB 1950 and SB 2052 would be laid over, and that it would meet again the following week to finish remaining bills.

Transcript Highlights:

• That board, we have a detention center that we're over, a post-adjudication male center, and a contract

Bills: HB40

Committee: House Judiciary & Civil Jurisprudence

Keywords: law enforcement, sheriffs, constables, contracts, county authority

Summary: The Committee on Judiciary and Civil Jurisprudence met to hear House Bill 1761, a broad judicial package focused on increasing judicial compensation and adding accountability and efficiency measures. The chair explained that HB 1707 and HB 2100 were withdrawn from the agenda, and that HB 1761 would be taken up first because many judges and stakeholders were present. The committee substitute for HB 1761 proposed a 30% increase in base judicial pay to $182,000, changes to judicial retirement linkage, stronger judicial conduct provisions, and efficiency measures such as targeted reporting for judges not meeting benchmarks, appellate in-person meeting encouragement, and time limits on certain motions. The chair and several supporters said judicial pay had reached “emergency status,” citing Texas’s low national ranking and difficulty recruiting and retaining qualified judges. Witnesses in support included presiding and district judges, the State Bar’s judicial section, business and trial lawyer groups, and prosecutors. They emphasized that many judges work long hours off the bench, handle warrants at night and on weekends, manage heavy dockets, and face recruitment problems in both urban and rural counties. Supporters also said higher pay would help attract experienced lawyers, retain judges, and improve court efficiency. Several witnesses and members discussed judicial accountability, including public reporting of court performance and the role of the Texas Supreme Court and presiding judges in setting benchmarks. Some members raised concerns that raw statistics can be misleading because judges also do substantial off-the-bench work and often help cover other courts’ dockets. There was also testimony and discussion about the bill’s conduct and discipline provisions. A representative of the Texas Civil Rights Project opposed parts of the bill that would tie pay raises to changes affecting judicial independence, warning about subjective bail-related discipline standards and possible chilling effects. The executive director of the State Commission on Judicial Conduct cautioned against civil penalties for complainants, saying it could discourage good-faith complaints and create litigation risks. Other witnesses supported accountability reforms but urged caution about unintended consequences, especially for family and emergency cases and for judges handling warrants and other time-sensitive matters. After testimony, the committee withdrew the committee substitute and left HB 1761 pending, then recessed the committee.

Transcript Highlights:

• </c><00:08:00.960><c> premiums</c> with homeowners insurance premiums with homeowners insurance premiums
• <00:09:46.399><c> in</c> insurance in insurance in Minnesota<00:09:48.320><c> many</c><00:09:48.600><
• </c><00:10:15.000><c> companies</c> new roof by their insurance companies new roof by their insurance
• </c> conversations about dental insurance conversations about dental insurance mostly<00:25:05.840><c
• </c><01:36:51.280><c> insurance</c> affordable auto insurance insurance affordable auto insurance insurance

Bills: HF2228 , HF46 , HF856 , HF2149 , HF2215

Committee: House Commerce Finance and Policy

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• Credit-based insurance scores have been used in insurance for a few decades.
• American National Insurance. Okay.
• Contract pharmacy protections.

Bills: HB712 , HB722 , HB946 , HB1687 , HB1809 , HB1899 , HB2528 , HB2583 , HB2741 , HB2750 , HB3021 , HB3150 , HB3265 , HB3658 , HB3812 , HB3960 , HB4392 , HB4432

Committee: House Insurance

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• So, all this does is just require the insurer to notify the insured that you have a right to request
• assign to single insureds.
• We've just had a good discussion about the loophole in the Texas insurance code that allows insurance

Bills: HB712 , HB722 , HB946 , HB1687 , HB1809 , HB1899 , HB2528 , HB2583 , HB2741 , HB2750 , HB3021 , HB3150 , HB3265 , HB3658 , HB3812 , HB3960 , HB4392 , HB4432

Committee: House Insurance

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• The company shall be ineligible to and shall not bid on a state contract... Five years?
• The company shall be ineligible to and shall not bid on a state contract for 60 months.
• And the state agency shall terminate the contract with the company.
• And the state agency shall terminate the contract with the company, if that's the case.
• And state agency shall terminate the contract with the company, if that's the case.

Bills: HB4193

Committee: House State Powers

Keywords: procurement, foreign adversaries, national security, state contracts, compliance

Summary: The committee heard House Bill 4193, authored by Representative Chapman, which is intended to prevent Oklahoma taxpayer dollars from going to foreign adversaries or entities not aligned with state or U.S. interests. Chapman said the bill was still a work in progress and that he had been working with OMES and the State Purchasing Director on possible changes, including shifting more authority to the purchasing office and clarifying the bill’s scope. Members raised several concerns about the draft language. Representative West asked about the provision making a company ineligible to bid on state contracts for 60 months, and Representative Yurek questioned whether allowing a company to bid again after five years undercut the bill’s purpose. Yurek also said he was not comfortable voting on a fluid proposal without seeing the final language or amendments. Chapman and another member explained that the goal was to give the Central Purchasing Office more practical authority to stop contracts with foreign adversaries, while avoiding unintended consequences for state agencies and subdivisions, such as replacing widely used drone technology that could be costly to substitute. In response to the concerns and the fact that the bill was not yet in final form, Chapman agreed to lay the bill over for further work before it would be heard again. No vote was taken, and the committee adjourned after no further business was raised.

Transcript Highlights:

• “What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• when a body shop and an insurance adjuster or insurance company could not agree on a loss value, to
• , not health insurance or other types.
• Commissioner to be involved in insurance rates?
• related to homeowners insurance.

Bills: HB3048 , HB3259 , HB3646 , HB3696 , HB3780 , HB3781 , HB3802 , HB3818 , HB4294 , HB4488 , HB2929

Committee: House Insurance

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• But unfortunately, the federal law does not cover life insurers, long-term care, or disability insurers
• She said, secure life insurance now before you get tested.
• She said, secure life insurance now before you get tested.
• I have pretty good insurance.
• Third, this bill does not undermine the insurance market.

Bills: H5112 , S2921 , H4914

Committee: Joint Joint Committee on Financial Services

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance

Transcript Highlights:

• What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• By the insurance representatives that I spoke with today.
• House Bill 4488 says that when a body shop and the insurance adjuster or the insurance company don't
• Attorneys that do a lot of insurance litigation.
• involved in insurance rates?

Bills: HB3048 , HB3259 , HB3646 , HB3696 , HB3780 , HB3781 , HB3802 , HB3818 , HB4294 , HB4488 , HB2929

Committee: House Insurance

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• The state purchasing director has some discretion as to disallowing contracts.
• Five years, the company shall be ineligible to bid on a state contract for 60 months.
• if they're discovered that they're a foreign adversary, and the state agency shall terminate the contract
• But then it says that the company shall be ineligible to bid On a contract for 60 months.
• They're just not eligible to receive a contract.

Bills: HB4193

Committee: House State Powers

Keywords: procurement, foreign adversaries, national security, state contracts, compliance, 914, all

Transcript Highlights:

• sign documents before contracting or contacting their insurance company, misrepresenting facts, or perform
• say that the homeowner has to assign away any and all rights arising under their insurance contract.
• There are a lot of rights under an insurance contract that go beyond just the specific repairs, and so
• our policyholder retains all their rights under the insurance contract throughout the claim process
• The insurance policy is the contract between the policyholder and the insurance company for which a premium

Bills: HB2428 , HB2399 , HB2087

Committee: House Consumer Protection & Business

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Transcript Highlights:

• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• insurance adjuster.
• The Texas Department of Insurance, on their website, advises the insured to seek appraisal before filing
• Today's Texas Department of Insurance suggests the insured check their policy to see if it has that right
• I think if she... ...follows those same guidelines, it'll be good for the insured and the insurer.

Bills: HB345 , HB721 , HB2580 , SB815 , HB3057 , HB4603 , HB3233 , SB495 , HB3863 , HB3914 , HB4570 , HB5099 , HB5173 , SB458

Committee: House Insurance

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• contracts.
• HMO contract, you have an Advantage contract, you have all those.
• The bill's premised on the idea of getting savings, and yet the same insurance company has a contract
• Would the insurance company that negotiated the contracts know? They should. Ah. Exactly.
• To be a network provider, I have to agree to a contracted rate, as we discussed, with each insurance

Bills: HB345 , HB721 , HB2580 , SB815 , HB3057 , HB4603 , HB3233 , SB495 , HB3863 , HB3914 , HB4570 , HB5099 , HB5173 , SB458

Committee: House Insurance

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Insurance Federation. Mass. Insurance Federation. Thank you, Chair Feeney.
• Not because we're unqualified, but because we don't contract with that particular insurance company.”
• on hold with the insurer.
• And when they are insured, they're insured with actual cash value policies, is not replace.
• And the insurance companies do not give you any reason why they're raising the insurance.

Bills: S2732 , S2738 , S2739

Committee: Joint Joint Committee on Financial Services

Keywords: healthcare, direct primary care, insurance, referrals, network providers, payment denial, insurance costs, manufactured homes, homeowners insurance, affordability, state regulations, insurance market, consumer protection, mobile homes, firefighting, water supply, cistern program, rural areas, urban interface, state funding

Transcript Highlights:

• The bill before you prohibits a person from soliciting, coercing, requiring, or contracting with an insured
• under the insurance contract throughout the entire claim process and beyond.
• The insurance policy is a contract between a policyholder and the insurance company for which the policyholder
• contract.
• insurance premiums down and protect the health of our insurers and the insurance market.

Bills: SB5831 , SB6031 , SB6178 , SB5928 , SB5919

Committee: Senate Business, Trade & Economic Development

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, public safety, insurance fraud, law enforcement, crime prevention, penalties, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured

Transcript Highlights:

• This specifies that the requirement for an insurer to provide the insured with certain information about
• This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
• This is named after kind of a pioneer in the insurance industry.
• Oh, no, the insurance industry—sorry, my bills mixed up.
• With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance

Bills: SB6178 , SB5831

Committee: House Consumer Protection & Business

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• A property insurer that uses a wildfire risk score for underwriting or rating must provide the insured
• It does this by turning what is the definition of insurance fraud for purposes of the insurance fraud
• It does this by turning what is the definition of insurance fraud for purposes of the insurance fraud
• impact the insurance industry or insurance consumers or beneficiaries beyond insurance fraud to furnish
• Insurance Commissioners' Travel Insurance Model Act.

Bills: SB6178 , SB5831

Committee: House Consumer Protection & Business

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• insured to another person.
• However, they're not insurance professionals.
• You won't have to worry about anything with the insurance company.
• litigation against their own insurance companies for over a decade.
• Many of these contracts assign claims for other benefits that the insured is owed or other rights they

Bills: SB5831 , SB6178

Committee: House Consumer Protection & Business

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling