Requires automobile insurance carriers offer policies with 12-month term.
If you purchase auto insurance, you'll have the option to choose a 12-month policy.
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A 4562 — Requires automobile insurance carriers offer policies with 12-month term.
Last action — REP/ACA REF ACO
No card. One bill, free forever — alerts when it moves.
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1Introduced
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2In Committee
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3Passed General Assembly
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4Passed Senate
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5To Executive
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6Enacted
This bill has been introduced in the General Assembly. Introduced March 10, 2026. It must pass committee before a floor vote.
Next likely step: a committee referral and hearing.
Prognosis
Where this bill stands today.
Odds of enactment
LowHow often bills like it became law.
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Introduced
Current position in the legislative process.
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1 sponsor
1 primary, 0 co-sponsors signed on.
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Single-party support
Sponsorship is currently within one party (1 D).
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Cleared a recorded vote
Passed 1 recorded vote so far.
Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.
In plain language
The bill requires automobile insurance carriers to offer 12-month policy terms.
This bill mandates that automobile insurance companies provide options for policies that last for 12 months. This change aims to give consumers more flexibility in their insurance choices.
What this means for you
- Consumers: If you purchase auto insurance, you'll have the option to choose a 12-month policy.
Summary
Automobile insurance carriers-offer policies with 12-month term
Bill Text
What changed in the latest version
6 added · 13 removedPlain-language change summary
The amendment changes the effective date of the bill from 120 days after enactment to one year after enactment. This means that the requirement for automobile insurance carriers to offer 12-month term policies as an option will take effect one year after the bill becomes law, giving the insurance industry more time to adjust to the new requirement.
A4562 1R [First Reprint] ASSEMBLY, No.
CURRENT VERSION OF TEXT As introduced.reported by the Assembly Financial Institutions and Insurance Committee on June 4, 2026, with amendments.
1. An automobile insurer that offers a standard or basic automobile insurance policy shall provide the option to purchase the policy with a 12-month term. This requirement shall not be construed to restrict the insurer's ability to offer insurance policies with shorter or longer terms. 2. This act shall take effect 1201[120 daysdays] one year1 after the date of enactment. enactment. STATEMENT This bill requires automobile insurance carriers in this State to offer insurance policies with a 12-month term as option to insurance buyers.
Automobile insurance policies with 12-month terms can benefit insureds because they allow insurance rates to be set for a longer period, provide renewal periods that are easier to remember, and may allow discounts factored into premium pricing to remain in effect for longer periods. The new requirement does not affect an automobile insurance carrier’s ability to offer insurance policies with shorter or longer terms.
Action History
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REP/ACA REF ACO
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INT 1RA REF AFI
Sponsors
- Rosaura Bagolie · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 119 not signed on
Sponsors (1)
- Bagolie, Rosaura Democrat
Co-sponsors (0)
None.
Not signed on (119)
119 members have not signed on to this bill.
Show all 119 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 9 | 0 | 0 | 1 |
| Republican | 0 | 0 | 0 | 4 |
| Total | 9 | 0 | 0 | 5 |
| % of votes cast | 64% | 0% | 0% | 36% |
How each member voted (14)
| Member | Party | Vote |
|---|---|---|
| Bagolie, Rosaura | Democrat | Yea |
| Freiman, Roy | Democrat | Yea |
| Hutchison, Dan | Democrat | Yea |
| Peterpaul Esq., Luanne M. | Democrat | Yea |
| Rodriguez, Ed | Democrat | Yea |
| Schnall, Alexander | Democrat | Yea |
| Simmons, Heather | Democrat | Not Voting |
| Singh, Balvir | Democrat | Yea |
| Stanley, Sterley S. | Democrat | Yea |
| Venezia, Michael | Democrat | Yea |
| Auth, Robert | Republican | Not Voting |
| Clifton, Robert D. | Republican | Not Voting |
| Flynn, Victoria A. | Republican | Not Voting |
| Myhre, Gregory E. | Republican | Not Voting |
Subjects
Frequently asked questions
- What does A 4562 do?
- Automobile insurance carriers-offer policies with 12-month term
- Who sponsors A 4562?
- A 4562 is sponsored by Bagolie, Rosaura (Democrat).
- What is the current status of A 4562?
- This bill has been introduced in the General Assembly. Introduced March 10, 2026. It must pass committee before a floor vote.
- Where can I track A 4562?
- Track A 4562 free on One Click Politics — get push/email alerts when it moves.
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Last checked for changes 3 months ago · updated continuously
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