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 already gives Texas auto policyholders the right to invoke binding appraisal on a disputed claim amount. 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. The auto-specific rulemaking is moving through the state's regulatory process, with applicability targeted for policies issued or renewed on or after September 1, 2026, once finalized.
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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