State • Georgia

HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact

Matt ReevesIntroduced

HB 1344 status: Introduced — Effective Date (updated Jan 1, 2027).

1

What this bill does

Overall score

Score50/100 civic fit
RiskHigh risk
ImpactHigh impact 75/100

Bill summary

Official

A BILL to be entitled an Act to amend Titles 33 and 40 of the O.C.G.A., relating to insurance and motor vehicles and traffic, respectively, so as to strengthen the enforcement authority of the Commissioner of Insurance and to clarify regulations on insurance, insurance fraud, uninsured motorists, excluded drivers, prem...

Key analysis

Constitutionality50%
Bipartisan50%
Public opinion50%
2

Impact analysis

Environment

Mixed / Neutral
50%

Benefits

  • No direct environmental benefit identified

Risks

  • No direct environmental risk identified

Economy

Positive Outlook
60%

Benefits

  • Strengthens enforcement against insurance fraud, potentially reducing costs for honest policyholders.
  • Clarifies regulations, which could lead to a more stable and predictable insurance market.

Risks

  • Potential for increased administrative costs for the state to implement enhanced enforcement.
  • Changes to premium tax or rates could impact affordability for consumers or profitability for insurers.

Society

Positive Outlook
60%

Benefits

  • Aims to improve insurance affordability and claims integrity.
  • Addresses issues related to uninsured motorists and excluded drivers, potentially increasing public safety and fairness.

Risks

  • Enhanced enforcement powers for the Commissioner could raise concerns about overreach if not carefully implemented.
  • Changes to regulations may disproportionately affect certain groups of drivers or policyholders.
3

How trustworthy & consequential it is

Source

OpenStates

Confidence

low

low

Analysis status

OpenStates summary

Warning

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Limitation

Analysis is based on an abstract, not the full text of the bill.

4

Where it stands

1

Introduced

Current

Effective Date

2

Committee

Upcoming
3

Floor

Upcoming
4

Governor

Upcoming
5

Enacted

Upcoming
5

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6

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