Clearcover filed a rate and rule update for its Texas private passenger auto program with changes effective January 22, 2026 for new business and March 28, 2026 for renewals.

The filing is rate neutral, covering about 11,079 policyholders and $17.3 million in premium. It updates multiple rating and rule components, including prior insurance, household factors, coverage factors, installment payments, UMPD, and driving record rules, which Clearcover says are meant to modernize the program and address compliance rather than raise rates.

During review, Texas regulators raised concerns around the use of prior insurance, treatment of short coverage lapses, support for household composition factors, and compliance with a new law barring differential treatment of widowed individuals. Regulators also requested additional actuarial detail and clarity around distribution channel pricing.

Clearcover submitted revised exhibits and explanations, stating the changes were largely clarifying and did not alter underlying data. The filing remains under review.