HBA-JEK H.B. 3393 77(R) BILL ANALYSIS Office of House Bill AnalysisH.B. 3393 By: Oliveira Insurance 4/8/2001 Introduced BACKGROUND AND PURPOSE A considerable portion of the Texas population speaks Spanish. Many of the Spanish-speaking immigrants in our state may not have had car insurance in their home countries and may not be familiar with the terms used in car insurance policies. House Bill 3393 requires an informational sheet in Spanish to be made available to the public that explains the terms most commonly used in private passenger motor vehicle insurance policies. RULEMAKING AUTHORITY It is the opinion of the Office of House Bill Analysis that this bill does not expressly delegate any additional rulemaking authority to a state officer, department, agency, or institution. ANALYSIS House Bill 3393 amends the Insurance Code to require the commissioner of insurance (commissioner) or the office of public insurance counsel to develop or adopt and make available to the public no later than January 1, 2002, an informational sheet in Spanish that provides a general explanation of the terms most commonly used in private passenger motor vehicle insurance policies. The bill authorizes the commissioner to develop informational sheets in a foreign language other than Spanish, and authorizes the Texas Department of Insurance to produce public service announcements concerning the availability of the informational sheets. H.B. 3393 provides that an informational sheet is intended to provide only a general explanation of applicable insurance terms and that a policy in English will prevail in the event of a dispute between an insurer and an insured. The bill provides that an informational sheet must include a prominent disclaimer that the actual terms of an insurance policy prevail over the information provided in the informational sheet. The bill also provides that an advertisement for an insurance policy, translation, or informational sheet by an insurer or a person who holds a license issued under the Insurance Code may not be construed to modify or change the insurance policy. The bill authorizes the commissioner to develop informational sheets in Spanish or another foreign language regarding other lines of insurance. EFFECTIVE DATE September 1, 2001.