HB 1666 — An Act amending Title 75 (Vehicles) of the Pennsylvania Consolidated Statutes, in financial responsibility, further providing for definitions, for payments to satisfy judgments, for neighborhood electric vehicles, for notice of available benefits and limits and for availability of uninsured, underinsured, bodily injury liability and property damage coverages and mandatory deductibles.

PRINTER'S NO.   2033

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                         HOUSE BILL
                         No. 1666
                                               Session of
                                                 2025

     INTRODUCED BY OLSOMMER, PROBST, STENDER, SMITH, KAUFFMAN AND
        ARMANINI, JUNE 25, 2025

     REFERRED TO COMMITTEE ON INSURANCE, JUNE 25, 2025


                                    AN ACT
 1   Amending Title 75 (Vehicles) of the Pennsylvania Consolidated
 2      Statutes, in financial responsibility, further providing for
 3      definitions, for payments to satisfy judgments, for
 4      neighborhood electric vehicles, for notice of available
 5      benefits and limits and for availability of uninsured,
 6      underinsured, bodily injury liability and property damage
 7      coverages and mandatory deductibles.
 8      The General Assembly of the Commonwealth of Pennsylvania
 9   hereby enacts as follows:
10      Section 1.    The definition of "financial responsibility" in
11   section 1702 of Title 75 of the Pennsylvania Consolidated
12   Statutes is amended to read:
13   § 1702.    Definitions.
14      The following words and phrases when used in this chapter
15   shall have the meanings given to them in this section unless the
16   context clearly indicates otherwise:
17      * * *
18      "Financial responsibility."   The ability to respond in
19   damages for liability on account of accidents arising out of the
20   maintenance or use of a motor vehicle in the amount of $15,000
 1   because of injury to one person in any one accident, in the
 2   amount of $30,000 because of injury to two or more persons in
 3   any one accident and in the amount of [$5,000] $25,000 because
 4   of damage to property of others in any one accident. The
 5   financial responsibility shall be in a form acceptable to the
 6   Department of Transportation.
 7      * * *
 8      Section 2.     Sections 1774(a)(3), 1788(a), 1791 and 1792(a) of
 9   Title 75 are amended to read:
10   § 1774.    Payments sufficient to satisfy judgments.
11      (a)    General rule.--For the purpose of this chapter only,
12   judgments shall be deemed satisfied upon the occurrence of one
13   of the following:
14             * * *
15             (3)   When [$5,000] $25,000 has been credited upon any
16      judgment or judgments rendered in excess of that amount
17      because of damage to property of others as the result of any
18      one accident.
19      * * *
20   § 1788.    Neighborhood electric vehicles.
21      (a)    Minimum coverage requirements.--A neighborhood electric
22   vehicle that is registered or operated on a highway shall be
23   covered by financial responsibility [in the amount of $15,000
24   for injury to one person in any one accident, in the amount of
25   $30,000 for injury to two or more persons in any one accident
26   and in the amount of $5,000 for damage of property of others in
27   any one accident. The financial responsibility shall be in a
28   form acceptable to the department].
29      * * *
30   § 1791.    Notice of available benefits and limits.

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 1      It shall be presumed that the insured has been advised of the
 2   benefits and limits available under this chapter provided the
 3   following notice in bold print of at least ten-point type is
 4   given to the applicant at the time of application for original
 5   coverage, and no other notice or rejection shall be required:
 6                              IMPORTANT NOTICE
 7          Insurance companies operating in the Commonwealth of
 8          Pennsylvania are required by law to make available for
 9          purchase the following benefits for you, your spouse or
10          other relatives or minors in your custody or in the
11          custody of your relatives, residing in your household,
12          occupants of your motor vehicle or persons struck by your
13          motor vehicle:
14              (1)     Medical benefits, up to at least $100,000.
15              (1.1)     Extraordinary medical benefits, from $100,000
16          to $1,100,000 which may be offered in increments of
17          $100,000.
18              (2)     Income loss benefits, up to at least $2,500 per
19          month up to a maximum benefit of at least $50,000.
20              (3)     Accidental death benefits, up to at least
21          $25,000.
22              (4)     Funeral benefits, $2,500.
23              (5)     As an alternative to paragraphs (1), (2), (3)
24          and (4), a combination benefit, up to at least $177,500
25          of benefits in the aggregate or benefits payable up to
26          three years from the date of the accident, whichever
27          occurs first, subject to a limit on accidental death
28          benefit of up to $25,000 and a limit on funeral benefit
29          of $2,500, provided that nothing contained in this
30          subsection shall be construed to limit, reduce, modify or

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 1             change the provisions of section 1715(d) (relating to
 2             availability of adequate limits).
 3                 (6)     Uninsured, underinsured and bodily injury
 4             liability coverage up to at least $100,000 because of
 5             injury to one person in any one accident and up to at
 6             least $300,000 because of injury to two or more persons
 7             in any one accident or, at the option of the insurer, up
 8             to at least $300,000 in a single limit for these
 9             coverages, except for policies issued under the Assigned
10             Risk Plan. Also, at least [$5,000] $25,000 for damage to
11             property of others in any one accident.
12             Additionally, insurers may offer higher benefit levels
13             than those enumerated above as well as additional
14             benefits. However, an insured may elect to purchase lower
15             benefit levels than those enumerated above.
16             Your signature on this notice or your payment of any
17             renewal premium evidences your actual knowledge and
18             understanding of the availability of these benefits and
19             limits as well as the benefits and limits you have
20             selected.
21             If you have any questions or you do not understand all of
22             the various options available to you, contact your agent
23             or company.
24             If you do not understand any of the provisions contained
25             in this notice, contact your agent or company before you
26             sign.
27   § 1792.    Availability of uninsured, underinsured, bodily injury
28                 liability and property damage coverages and mandatory
29                 deductibles.
30      (a)    Availability of coverages.--Except for policies issued

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 1   under Subchapter D (relating to Assigned Risk Plan), an insurer
 2   issuing a policy of bodily injury liability coverage pursuant to
 3   this chapter shall make available for purchase higher limits of
 4   uninsured, underinsured and bodily injury liability coverages up
 5   to at least $100,000 because of injury to one person in any one
 6   accident and up to at least $300,000 because of injury to two or
 7   more persons in any one accident or, at the option of the
 8   insurer, up to at least $300,000 in a single limit for these
 9   coverages. Additionally, an insurer shall make available for
10   purchase at least [$5,000] $25,000 because of damage to property
11   of others in any one accident. However, the exclusion of
12   availability relating to the Assigned Risk Plan shall not apply
13   to damage to property of others in any one accident.
14      * * *
15      Section 3.   Any change in coverage of a motor vehicle
16   liability insurance policy resulting from the amendment of 75
17   Pa.C.S. § 1702 shall not:
18          (1)   Impact the validity of any waiver, rejection,
19      election of tort options, selection of benefits or amount of
20      benefits in that policy, beyond the coverage change as a
21      result of the amendment of 75 Pa.C.S. § 1702.
22          (2)   Require that new forms be signed by the named
23      insured in that policy.
24      Section 4.   The amendment of 75 Pa.C.S. § 1702 shall apply to
25   all policies issued or renewed on or after the effective date of
26   this section.
27      Section 5.   Any notice of available benefits and limits
28   issued under 75 Pa.C.S. § 1791 prior to the effective date of
29   this section that specifies "at least $5,000 for damage to
30   property of others in any one accident" shall not be deemed

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1   invalid solely on the basis of the reference to the $5,000
2   dollar amount.
3      Section 6.    This act shall take effect in 60 days.




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