Phantom Policies are haunting Texas roads, making dangerous conditions for all drivers. These policies create gaps in coverage by excluding coverage for household members who are not specifically listed in a policy. This practice not only harms the policyholder who often believes they're covered but any third party involved in a crash. Today, 1.5 million Texans are driving with Phantom Policies and as such, only have phantom policy. House Bill 915, which has passed favorably out of the House, will eliminate these risky policies so Texans can have better access to the higher standard of auto insurance they deserve from insurance companies. On this episode of Texas Tells, we talked to Executive Director Ware Wendell about these dangerous policies and the legislative efforts to clear them from our roads.