New Auto Insurance Laws 2014
The Watchdog found twelve condition regulations passed into the 2013 condition Legislature that influence Texas consumers. They consist of guidelines that protect insurance coverage policyholders, the elderly and disabled, water, gas and electric consumers and more. Some are already law, but most just take result next month. Allow me to share.
Some motorists enable other individuals in their households to drive their particular automobiles while they aren’t known as on insurance coverage. Today insurance firms must inform policyholders orally plus writing that various other drivers might not be covered under an individual’s policy. Senate Bill 1567 has recently taken impact.
Proof insurance coverage
Motorists can show a police officer an image of proof auto insurance on a cellphone in place of a report copy demonstrating they usually have a dynamic policy during a traffic end or after an accident. Senate Bill 181 is legislation.
Insurance coverage deductibles
Residential property insurance firms must reveal to customers the precise dollar quantity — maybe not percentages — of deductibles to eradicate confusion. Senate Bill 112 takes result Sept. 1.
Insurance coverage claims
Insurance vendors can't simply take a policyholder’s question about a possible claim and use it whenever establishing his or her prices, premiums or deductibles. Previously, some organizations made underwriting and rating choices when a customer asked concerns but never ever made a claim. Senate Bill 736 takes impact Sept. 1.
The minimum age for anyone to use a tanning beauty salon has increased from 16½ yrs old to 18. formerly, persons under 18 were allowed with parental consent. Senate Bill 329 takes result Sept. 1.
Residents’ directly to install a drought-resistant landscape or water-conserving grass grass is safeguarded in a new law that bans restrictive covenants in property owners organizations. HOAs can't limit or prohibit these types of gardening, but property owners must nevertheless distribute reveal policy for review and approval. HOAs cannot issue unreasonable denials of these plans. SB 198 adopts effect Sept. 1.
Traveling the flag
Property owners in deed-restricted subdivisions are allowed to erect a flagpole in their front yards. Home Bill 680 has already been ultimately.
Water utility regulation
Lawmakers changed the legislation of privately owned liquid utilities from the Tx Commission on Environmental high quality towards Public Utility Commission of Tx. Next year, the PUC will write brand new guidelines providing the payment authority over price instances. The latest principles get into result in 2015.
The newest law concerns private energy companies, perhaps not municipal-owned liquid departments. Lawmakers changed the obligation of investor-owned utilities because PUC has actually more experience managing price cases. TCEQ will still do ecological testing. One aim is prevent exorbitant water and sewer rate increases by exclusive owners — a source of complaints by some home owners and tiny commercial customers throughout the state. Senate Bill 567 goes in result Sept. 1.
Beginning the following year, consumers buying mixed products in restaurants will probably pay a product sales tax of 8.25 percent. Those beverages are now actually untaxed. Restaurants, in turn, would begin to see the blended drink taxation they pay paid off from 14 per cent to 6.7 percent.
“Due to an anticipated boost in their outlays, individuals are likely to purchase significantly a lot fewer products, ” a legislative analysis associated with the legislation states.
Under present law, clients at restaurants that sell just beer and wine currently spend 8.25 percent income tax on these products. But customers at restaurants that also offer combined drinks are not needed to pay the taxation. As an alternative, those restaurants pay a 14 percent income tax towards condition. The concept is to make the taxes consistent. Home Bill 3572 goes into result Jan. 1.
Electricity and gas disconnections
Landlords of apartment complexes is going to be needed to give written notice to renters also to the town of a pending disconnection of energy service because of a landlord’s nonpayment of a bill. A computer program additionally needs to supply written notice to your town in which the complex is located before a disconnection. This can be directed to protect renters whoever utility bills come within their month-to-month lease. Home Bill 1772 goes into effect Jan. 1, 2014.
Worker registry for facilities
Past state law created two condition registries both for employees and nurses’ aides just who operate in services accredited and regulated because of the state Department of Aging and Disability Services. The registries were made to protect older people in addition to disabled from functions of abuse, neglect, exploitation, misappropriation and misconduct.
A new legislation grants registry usage of specific employers and administration companies in addition to services, requires record-keeping of the periodic criminal background checks, forbids employment of persons convicted of exploitation of a child, a senior or a disable individual, and provides employees accused of misconduct the right to a formal hearing. Home Bill 2683 gets into effect Jan. 1, 2014.