SB 3115: AN ACT RELATING TO INSURANCE -- UNFAIR CLAIMS SETTLEMENT PRACTICES ACT
SB 3115 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 an insurance company to label your car a "total loss." They can only do so if the repair costs are more than 85% of the car’s value, rather than the previous 80% limit.
Key analysis
Impact analysis
Environment
Benefits
- May reduce vehicle scrap waste by encouraging repairs
Risks
- No direct environmental impact identified
Economy
Benefits
- Provides consumers more flexibility to retain vehicle ownership
- Potentially lowers insurance total-loss frequency
Risks
- Possible increase in total repair costs for insurers
- May lead to increased premiums if claims costs rise
Society
Benefits
- Offers more protection for owners of aging vehicles
Risks
- No direct social infrastructure impact
How trustworthy & consequential it is
Source
OpenStates
Confidence
lowlow
Analysis status
OpenStates summary
Increased threshold may force consumers to deal with costly repairs on damaged vehicles
Analysis based solely on summary abstract
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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