Insurance Code § 551.1053

Sec. 551.1053. MANDATORY NONRENEWAL OF PRIVATE PASSENGER AUTOMOBILE INSURANCE POLICIES. (a) If an insured under a private passenger automobile insurance policy fails or refuses to cooperate with an insurer in the investigation, settlement, or defense of a third-party liability claim or action or the insurer is unable to contact the insured using reasonable efforts for those purposes, the insurer shall provide written notice to the named insured that states: (1) how the insured failed or refused to cooperate, including failure as a result of the insurer's inability to contact the insured; (2) the claim or action for which the insurer is requesting cooperation; and (3) the insurer will not renew the policy if the insured continues to fail or refuse to cooperate. (b) Notwithstanding Sections 551.105 and 551.106, an insurer may not renew a private passenger automobile insurance policy if the insured fails or refuses to cooperate with the insurer in the investigation, settlement, or defense of the third-party liability claim or action described by the notice provided under Subsection (a). Added by Acts 2021, 87th Leg., R.S., Ch. 886 (S.B. 1602), Sec. 1, eff. September 1, 2021. Amended by: Acts 2023, 88th Leg., R.S., Ch. 496 (H.B. 2065), Sec. 1, eff. September 1, 2023.