Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.

Summary

The bill bars insurance companies from increasing a motor vehicle liability premium solely due to the removal of a dead spouse from the policy, treating that removal as not a material change in risk. Insurers may still raise premiums at renewal for documented driving or actuarial reasons. It takes effect on November 1, 2026.

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

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