SB49 Alabama 2014 Session

Summary

Primary Sponsor

Mark Slade Blackwell

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

The bill lets insurers post standard property or casualty policies online without personal data and requires free paper copies on request, with specific accessibility and archiving rules.

What This Bill Does

If an insurer posts a policy or endorsement online, it must be easily accessible for the life of the policy and archived for five years after the policy ends, with the insured able to print or save it. The insurer must tell, on the declarations page, how to get a free paper copy and provide that copy within 30 days of a request. The act applies to policies issued or renewed after its effective date and becomes law as soon as the governor signs it.

Who It Affects

• Policyholders with property and casualty insurance, who can view online policies without personal information and can request free paper copies.
• Insurers and their customer-service operations, which must manage online posting, online accessibility, archiving, and free paper-copy requests.

Key Provisions

• Policies and endorsements that do not contain personally identifiable information may be mailed, delivered, or posted on the insurer's website.
• If posting instead of mailing, the policy and endorsements must be easily accessible, remain available for the life of the policy, and be archived for five years after expiration with access on request.
• Posted policies must be printable and saveable using commonly available internet tools.
• Declarations pages must describe the exact policy and endorsement forms, state how to obtain a free paper copy, provide the method to obtain it, and guarantee paper copies within 30 days of request.

AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance