Relating to the effects of unresponsive insureds for a personal automobile insurance policy.

SB 1791 requires auto insurers in Texas to make at least five attempts to contact a policyholder within 45 days of a third party filing a liability claim against them. If the insurer cannot reach the policyholder during that period, the insurer must pay the claim directly to the third party and decline to renew the policy. This applies to personal auto insurance policies delivered or renewed on or after January 1, 2026. The bill aims to ensure claims are processed promptly when insureds are unresponsive, directly affecting policyholders who fail to communicate and third-party claimants seeking resolution.