HB333 Alabama 2015 Session

Summary

Primary Sponsor

Mike Hill

Republican

Session

Regular Session 2015

Title

Property and casualty insurance, electronic delivery to address consented to, paper copy available upon request without charge

Summary

HB333 would let Alabama property and casualty policies be delivered electronically to a consented address, with paper copies available at no charge on request, and would allow posting non-personally identifiable policies online under specified rules.

What This Bill Does

It allows notices and documents related to property and casualty insurance to be delivered electronically if the insured consents, and treats electronic delivery as legally valid. It requires clear upfront disclosure about consent, withdrawal rights, the types of notices covered, and the option to receive paper copies; it also requires hardware and software requirements to be disclosed. It mandates that insurers provide paper copies of policies and endorsements at no charge upon request, and it may permit posting standard policies without personal information on the insurer’s website with access, archiving, and print/save capabilities, along with notices about changes. It also preserves protections around consent, withdrawal, and the enforceability of policies regardless of electronic delivery.

Who It Affects

• Policyholders/insureds: may receive notices and policy documents electronically if they consent, with the right to request a paper copy at no charge and to withdraw consent.
• Insurance companies and their producers/agents: must implement the electronic delivery system, provide free paper copies on request, and may post non-PII policies on websites under specified accessibility and archival rules.

Key Provisions

• Electronic delivery of notices and documents to a consented address is allowed and considered equivalent to traditional delivery methods, once consent is provided and maintained.
• Insurers must provide a clear notice about withdrawal rights, types of notices covered, right to paper copies, and withdrawal procedures before consent is given; hardware/software requirements must be disclosed.
• If consent changes or hardware/software updates occur, the insurer must inform the insured of new requirements and the ability to withdraw consent without additional penalties.
• Paper copies of policies and endorsements must be provided at no charge upon request, and electronic delivery must comply with the Uniform Electronic Transactions Act.
• Standard property/casualty policies and endorsements without personal information may be posted on the insurer’s website; these must remain accessible, be archivable for a specified period, and allow printing/saving using common tools; the insurer must provide the website address, a description of the policy forms, and a right to receive a paper copy upon request.
• If electronic delivery fails or an electronic address is invalid, the insurer may return to another delivery method; producers are not liable for harm from a party choosing electronic delivery.

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

Subjects

Property and Casualty Insurance