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Bill

SCR 111

ESTABLISHING AN AUTOMOBILE INSURANCE REFORM TASK FORCE FOR THE DEVELOPMENT OF CONSUMER COST-SAVING LEGISLATION, REGULATIONS, AND POLICIES.

153rd General Assembly (2025-2026) Introduced by Bill Bush and 4 co-sponsors

Delaware creates an auto insurance task force to study rate practices and propose consumer cost-reduction measures through legislation and regulation.

Passed By House. Votes: 40 YES 1 VACANT
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Bill Summary · SCR 111

Legislative bill overview

SCR 111 establishes a task force in Delaware to study automobile insurance costs and develop legislative and regulatory recommendations aimed at reducing consumer premiums. The task force would examine current market conditions, rating practices, and policy approaches to identify cost-saving measures for Delaware residents.

Why is this important

Auto insurance is a mandatory expense for drivers, and premium increases directly affect household budgets and vehicle ownership accessibility. Delaware residents may benefit from systematized analysis of insurance market inefficiencies, though actual cost savings depend on whether recommendations are implemented and prove effective.

Potential points of contention

  • Industry participation vs. consumer advocacy balance: Task force composition and whether insurance companies have outsized influence over recommendations that ostensibly protect consumers
  • Enforceability and timeline: The bill establishes a task force but provides no guarantee that recommendations will become law or timeline for implementation, risking it becoming a symbolic gesture
  • Scope limitations: The bill may not address fundamental cost drivers (medical care inflation, litigation costs) that exist outside regulatory control, limiting realistic savings potential

Compiled from official sources — confirm details with the bill’s official record.

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