American Family Connect Property and Casualty Insurance Company filed in Texas on September 8, 2025, to update its Private Passenger Auto program, effective January 1, 2026, for both new and renewal business.

The filing introduces a revised “Your Safety Pays Car Policy – Texas” form, replacing prior versions to align the appraisal provision with state statute 1813.004. The policy incorporates ISO materials and carries a Flesch readability score of 40.3. Midvale Indemnity Company certified the readability.

Key provisions include exclusions for ride-sharing, retail, and wholesale delivery use, as well as punitive and multiple damages. Claims must be acknowledged within 15 business days (30 for arson), with payment due within 5 days of approval, subject to extensions during weather catastrophes. Cancellation and non-renewal rules are detailed, including 10 days notice for nonpayment and 60 days for other causes, with protections against non-renewal based solely on age or elected office.

The filing was a form-only submission, with no rate impact and no filing fees.