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
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.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. The definition of "financial responsibility" in
section 1702 of Title 75 of the Pennsylvania Consolidated
Statutes is amended to read:
§ 1702. Definitions.
The following words and phrases when used in this chapter
shall have the meanings given to them in this section unless the
context clearly indicates otherwise:
* * *
"Financial responsibility." The ability to respond in
damages for liability on account of accidents arising out of the
maintenance or use of a motor vehicle in the amount of $15,000
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because of injury to one person in any one accident, in the
amount of $30,000 because of injury to two or more persons in
any one accident and in the amount of [$5,000] $25,000 because
of damage to property of others in any one accident. The
financial responsibility shall be in a form acceptable to the
Department of Transportation.
* * *
Section 2. Sections 1774(a)(3), 1788(a), 1791 and 1792(a) of
Title 75 are amended to read:
§ 1774. Payments sufficient to satisfy judgments.
(a) General rule.--For the purpose of this chapter only,
judgments shall be deemed satisfied upon the occurrence of one
of the following:
* * *
(3) When [$5,000] $25,000 has been credited upon any
judgment or judgments rendered in excess of that amount
because of damage to property of others as the result of any
one accident.
* * *
§ 1788. Neighborhood electric vehicles.
(a) Minimum coverage requirements.--A neighborhood electric
vehicle that is registered or operated on a highway shall be
covered by financial responsibility [in the amount of $15,000
for injury to one person in any one accident, in the amount of
$30,000 for injury to two or more persons in any one accident
and in the amount of $5,000 for damage of property of others in
any one accident. The financial responsibility shall be in a
form acceptable to the department].
* * *
§ 1791. Notice of available benefits and limits.
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It shall be presumed that the insured has been advised of the
benefits and limits available under this chapter provided the
following notice in bold print of at least ten-point type is
given to the applicant at the time of application for original
coverage, and no other notice or rejection shall be required:
IMPORTANT NOTICE
Insurance companies operating in the Commonwealth of
Pennsylvania are required by law to make available for
purchase the following benefits for you, your spouse or
other relatives or minors in your custody or in the
custody of your relatives, residing in your household,
occupants of your motor vehicle or persons struck by your
motor vehicle:
(1) Medical benefits, up to at least $100,000.
(1.1) Extraordinary medical benefits, from $100,000
to $1,100,000 which may be offered in increments of
$100,000.
(2) Income loss benefits, up to at least $2,500 per
month up to a maximum benefit of at least $50,000.
(3) Accidental death benefits, up to at least
$25,000.
(4) Funeral benefits, $2,500.
(5) As an alternative to paragraphs (1), (2), (3)
and (4), a combination benefit, up to at least $177,500
of benefits in the aggregate or benefits payable up to
three years from the date of the accident, whichever
occurs first, subject to a limit on accidental death
benefit of up to $25,000 and a limit on funeral benefit
of $2,500, provided that nothing contained in this
subsection shall be construed to limit, reduce, modify or
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change the provisions of section 1715(d) (relating to
availability of adequate limits).
(6) Uninsured, underinsured and bodily injury
liability coverage up to at least $100,000 because of
injury to one person in any one accident and up to at
least $300,000 because of injury to two or more persons
in any one accident or, at the option of the insurer, up
to at least $300,000 in a single limit for these
coverages, except for policies issued under the Assigned
Risk Plan. Also, at least [$5,000] $25,000 for damage to
property of others in any one accident.
Additionally, insurers may offer higher benefit levels
than those enumerated above as well as additional
benefits. However, an insured may elect to purchase lower
benefit levels than those enumerated above.
Your signature on this notice or your payment of any
renewal premium evidences your actual knowledge and
understanding of the availability of these benefits and
limits as well as the benefits and limits you have
selected.
If you have any questions or you do not understand all of
the various options available to you, contact your agent
or company.
If you do not understand any of the provisions contained
in this notice, contact your agent or company before you
sign.
§ 1792. Availability of uninsured, underinsured, bodily injury
liability and property damage coverages and mandatory
deductibles.
(a) Availability of coverages.--Except for policies issued
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under Subchapter D (relating to Assigned Risk Plan), an insurer
issuing a policy of bodily injury liability coverage pursuant to
this chapter shall make available for purchase higher limits of
uninsured, underinsured and bodily injury liability coverages up
to at least $100,000 because of injury to one person in any one
accident and up to at least $300,000 because of injury to two or
more persons in any one accident or, at the option of the
insurer, up to at least $300,000 in a single limit for these
coverages. Additionally, an insurer shall make available for
purchase at least [$5,000] $25,000 because of damage to property
of others in any one accident. However, the exclusion of
availability relating to the Assigned Risk Plan shall not apply
to damage to property of others in any one accident.
* * *
Section 3. Any change in coverage of a motor vehicle
liability insurance policy resulting from the amendment of 75
Pa.C.S. § 1702 shall not:
(1) Impact the validity of any waiver, rejection,
election of tort options, selection of benefits or amount of
benefits in that policy, beyond the coverage change as a
result of the amendment of 75 Pa.C.S. § 1702.
(2) Require that new forms be signed by the named
insured in that policy.
Section 4. The amendment of 75 Pa.C.S. § 1702 shall apply to
all policies issued or renewed on or after the effective date of
this section.
Section 5. Any notice of available benefits and limits
issued under 75 Pa.C.S. § 1791 prior to the effective date of
this section that specifies "at least $5,000 for damage to
property of others in any one accident" shall not be deemed
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invalid solely on the basis of the reference to the $5,000
dollar amount.
Section 6. This act shall take effect in 60 days.
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