HB 7866: AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT
HB 7866 status: To Governor — 06/26/2026 Effective without Governor's signature (updated Jun 26, 2026).
What this bill does
Overall score
Bill summary
OfficialIt is now harder for insurance companies to "total" your car. They are now required to try to fix it unless the repair costs are at least 85% of what the car is worth (up from the old 80% limit).
Key analysis
Impact analysis
Environment
Benefits
- Potentially reduces automotive waste by favoring vehicle repair over salvage
Risks
- No direct environmental impact identified
Economy
Benefits
- Higher threshold allows more vehicle owners to retain their vehicles
- Reduces incidence of total loss insurance write-offs
Risks
- Potential for increased repair costs burdening insurance carriers
- Could impact salvage industry profitability
Society
Benefits
- Provides consumers more control over vehicle assets
- Reduces the unexpected loss of personal property
Risks
- Risk of premium adjustments if repair expenses rise significantly
How trustworthy & consequential it is
Source
OpenStates
Confidence
lowlow
Analysis status
OpenStates summary
May lead to operational complexities for insurance adjusters evaluating repair versus total loss
Analysis based on bill abstract; full statutory text not reviewed
Where it stands
Introduced
CompleteCommittee
CompleteFloor
CompleteGovernor
Current06/26/2026 Effective without Governor's signature
Enacted
UpcomingHow it affects your district
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