Insurance; unlawfully operating a motor vehicle; first-party liability claims; third-parties; passengers; nondrivers; Department of Public Safety; license status data; effective date.

Summary

The bill bars insurance companies from paying first‑party liability claims when the driver was operating a vehicle without a valid, non‑suspended license or used fraudulent identification. It does not prevent third‑party, passenger, or other nondriver claims, and insurers may use Department of Public Safety license data to verify a driver’s status. The measure takes effect on November 1, 2026.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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