Home Invoice 1274, launched in the course of the 2026 Common Session by Consultant Shanda Yates, takes direct intention at how carriers deal with nonfault incidents, and it comes with enamel. The proposal would prohibit insurers from elevating charges, tacking on surcharges, canceling insurance policies, or declining renewals primarily based on crashes the place the policyholder wasn’t at fault. Breaking these guidelines would not simply imply a slap on the wrist. Violators must refund any overcharged premiums and pay a penalty of triple that quantity, or $1,000, whichever is greater. Insureds who take their carriers to court docket and win would additionally gather lawyer charges.
