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You are here: Home . bulletins . 2005 . b-0016-05
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COMMISSIONER'S BULLETIN # B-0016-05

April 14, 2005


To: ALL INSURANCE COMPANIES, CORPORATIONS, EXCHANGES, MUTUALS RECIPROCALS, ASSOCIATIONS, LLOYDS, OR OTHER INSURERS WRITING PROPERTY AND CASUALTY INSURANCE IN THE STATE OF TEXAS AND TO OTHER AGENTS AND REPRESENTATIVES AND THE PUBLIC GENERALLY


Re: Commissioner's Order No. 05-0306, adoption of a new rule concerning the 2005 versions of the Consumer Bill of Rights for Personal Automobile Insurance and the Consumer Bill of Rights for Homeowners, Dwelling and Renters Insurance

As a result of legislative changes due to Senate Bill (SB) 14 enacted by the 78th Legislature Regular Session, 2003 and departmental actions affecting policyholders and insureds, the commissioner has adopted Texas Administrative Code §5.9970, concerning the 2005 versions of the Consumer Bill of Rights Personal Automobile Insurance and the Consumer Bill of Rights Homeowners, Dwelling and Renters Insurance. The Spanish language translations have also been revised to conform to the English language versions of the Consumer Bills of Rights.

The Consumer Bills of Rights set forth a summation of consumers' most important rights with regard to each line of insurance, including consumers' rights to receive information from the Department of Insurance and their insurers, rights relating to buying insurance, rights regarding cancellation and refusal to renew policies, rights regarding claims made under policies, rights regarding non-discrimination, and enforcement rights.

The adopted rule, effective April 19, 2005, describes the responsibilities and obligations of insurers to provide copies of the Consumer Bills of Rights to each insured for personal automobile insurance and for homeowners, dwelling and renters insurance. In order to allow insurers to utilize at least some existing supplies of the 2002 versions of the Bills of Rights, the 2005 versions of the Bills of Rights are not mandatory for policies that become effective prior to 12:01 A.M., July 19, 2005. For all homeowners, dwelling, renters, and personal automobile policies issued on or after July 19, 2005, companies must distribute the revised version of the appropriate bill of rights with each new policy and with the next renewal notice to current policyholders.

A copy of Commissioner's Order No. 05-0306 is available on our web site at: http://www.tdi.state.tx.us/rules/0330b-059.html

Questions regarding this bulletin may be directed to Grover Corum, Manager, Personal Lines Division, at (512)-322-2266 or Grover.Corum@tdi.state.tx.us

Marilyn Hamilton, Associate Commissioner
Property & Casualty Program MC 104-PC



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Last updated: 09/16/2014

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