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Pennsylvania House of Representatives
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House of Representatives
Session of 2021 - 2022 Regular Session


Posted: September 17, 2021 02:06 PM
From: Representative Pam Snyder
To: All House members
Subject: Modernizing Vehicle Insurance
Implemented in the 1970s, our vehicle insurance laws have yet to be updated to reflect the current needs of Pennsylvanians. The required minimum amount of property damage liability was set at $5,000 and has never been raised to reflect the purchasing power of the dollar. Since 1983 alone, prices have slowly risen, and the dollar’s purchasing power has diminished. If a person is only insured with minimum coverage as prescribed by state law, they will not be able to cover the full cost of an automobile accident with their insurance.
Neighboring states have increased their liability minimums to keep up with inflation, and it is time Pennsylvania does the same. No citizen of this great state should have to worry about breaking the bank if an accident were to occur.
I believe in good governance and that laws should be updated when necessary to reflect the challenges of the present rather than the problems of the past. Therefore, I plan to introduce legislation that will modernize our vehicle insurance liability minimums by increasing property damage liability minimums from $5,000 to $25,000.
It is time we bring our vehicle insurance laws into the 21st century. Please join me in supporting this important legislation. Thank you for your consideration.

Introduced as HB1918