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PA SB578
Bill
Status
4/9/2025
Primary Sponsor
Chris Gebhard
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AI Summary
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Prohibits stacking of uninsured and underinsured motorist coverage across multiple vehicles or policies in Pennsylvania, eliminating the ability to combine coverage limits for each insured vehicle to increase total available benefits
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Requires insurers to offer uninsured/underinsured motorist coverage equal to bodily injury liability limits on initial applications, with policyholders presumed to have elected matching coverage unless they reject or select a different amount
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Mandates written notice to policyholders within 180 days of the effective date explaining the elimination of stacking and their rights to elect coverage amounts equal to, less than, or potentially higher than their bodily injury limits
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Repeals existing sections 1734, 1736, and 1738 of Title 75 that previously allowed requesting lower coverage limits, permitted excess coverage offerings, and provided stacking options with waiver forms
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Takes effect one year after enactment and applies to policies delivered, issued, or renewed after that date, while preserving the validity of existing waivers and benefit selections
Legislative Description
In financial responsibility, further providing for availability, scope and amount of coverage, repealing provisions relating to request for lower limits of coverage, providing for offer of lower limits of coverage, repealing provisions relating to coverages in excess of required amounts and to stacking of uninsured and underinsured benefits and option to waive, providing for stacking of uninsured and underinsured benefits prohibited and further providing for notice of available benefits and limits and for availability of uninsured, underinsured, bodily injury liability and property damage coverages and mandatory deductibles.
Last Action
Referred to Banking & Insurance
4/9/2025