SB292 Alabama 2015 Session

Summary

Primary Sponsor

Mark Slade Blackwell

Republican

Session

Regular Session 2015

Title

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

Summary

SB292 allows property and casualty insurers to deliver notices and policies electronically to a consented address, with free paper copies on request.

What This Bill Does

If enacted, notices and documents related to property and casualty insurance (including policies and endorsements) can be delivered, stored, and presented electronically to an address the party has consented to. Electronic delivery is treated as legally equivalent to traditional delivery methods. Before consenting, parties must be given clear information about their rights to withdraw consent, the documents covered, the availability of paper copies, and how to update contact information; changes in hardware or software that affect access must be disclosed, with continued withdrawal rights. Paper copies of a policy must be available to the policyholder at no charge upon request. The insurer must deliver electronically or by other allowed methods if delivery fails or the electronic address is no longer valid, and the act does not prevent enforcing contracts if electronic consent is not obtained.

Who It Affects

• Policyholders/insureds/consumers who opt in to electronic delivery; they can receive notices electronically and request free paper copies, and they can withdraw consent.
• Insurers and insurance agencies; they must implement electronic delivery under the law, provide consent disclosures, manage withdrawal and address updates, verify receipt when required, and fallback to non-electronic delivery if needed.

Key Provisions

• Allows electronic delivery of property and casualty insurance notices and documents to an address where the party has consented, including policies and endorsements.
• Requires affirmative consent with clear disclosures about withdrawal rights, covered documents, and the availability of paper copies, plus how to withdraw and update contact information.
• Requires upfront information on hardware and software requirements for accessing electronic notices and notifies parties of any changes that could affect access, along with continued withdrawal rights.
• Treats electronic delivery as equivalent to traditional delivery methods for legal purposes, including notice timing and validity, where permitted by law.
• Paper copies must be available at no charge upon request; insurers must attempt electronic delivery but may fall back to other methods if delivery fails or the electronic address is invalid; does not invalidate contracts due to lack of electronic consent.

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