SB 458 doesn't create the appraisal clause from scratch — it standardizes and strengthens the auto-specific timeline for a process that already exists under Texas Insurance Code Chapter 1813.
Chapter 1813 gives Texas auto policyholders the right to invoke binding appraisal on a disputed claim amount, and has been in effect since January 1, 2026. SB 458 builds on that framework by setting clearer, standardized timelines specific to auto claims — things like how quickly an insurer must appoint an appraiser after a demand is received. TDI's implementing rule setting those specific deadlines (28 TAC §§5.9800–5.9806) was targeted for a September 1, 2026 effective date. For the full breakdown of what's confirmed versus still pending, see our Chapter 1813 explainer.
Whether or not the new SB 458 timelines have taken effect for your specific policy, the underlying appraisal right under Chapter 1813 is available today. Confirming exactly where your policy stands relative to these rules is part of any thorough claim review.
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