HB65 Alabama 2014 Session

Updated Feb 27, 2026

Notable

Summary

Primary Sponsor: Mike Hill
Republican
Session: Regular Session 2014
Title: Insurance policies, posting of on website of insurer without personal information, paper copy available without charge to policyholder
Summary: HB65 would allow property or casualty policies and endorsements that contain no personal information to be mailed, delivered, or posted on an insurer’s website, with a free paper copy available on request.
What This Bill Does
If a policy is posted online instead of mailed, the insurer must keep it accessible for as long as the policy is in force and archive expired policies for five years, available on request. The posted materials must be easy to print or save with common internet tools. Each declarations page must describe the exact policy and endorsement forms, explain how to obtain a free paper copy, and provide the website address where the policy is posted. Policyholders can request a paper copy at no charge, and the insurer must provide it within 30 days. The rule applies to policies issued or renewed after the act’s effective date, and the act takes effect immediately after passage (or when it becomes law).

Who It Affects
Policyholders/insureds: can access policies online (if posted) and can request a free paper copy; otherwise, still eligible for a free paper copy on request.
Insurers: must implement online posting with specific accessibility, archival, and printing requirements; must include required information on declarations pages; and must fulfill free paper copy requests within 30 days.

Key Provisions
Allows posting of standard property/casualty policies and endorsements online if they contain no personally identifiable information, with conditions.
If posted online, policies must be easily accessible, remain accessible for the policy term, and be archived for five years after expiration with access on request.
Policies must be posted in a printer-friendly format, and declarations pages must describe the exact forms purchased and how to obtain a free paper copy, including the posting website address.
Insurers must provide a free paper copy of the policy and endorsements within 30 days of a request.
Section 2 states the act applies to policies issued or renewed after the effective date; Section 3 provides immediate effectiveness upon passage and approval.

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.
Subjects: Insurance