SB 578 Pennsylvania Senate · 2025-2026 Regular Session

An Act amending Title 75 (Vehicles) of the Pennsylvania Consolidated Statutes, 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.

SB 578 changes Pennsylvania auto insurance rules by prohibiting insurers from allowing "stacking" of uninsured/underinsured motorist coverage across multiple vehicles. It requires insurers to automatically offer coverage equal to bodily injury liability limits when issuing new policies, while giving drivers the option to select lower coverage or reject it. Insurers must provide written notice explaining these changes, the elimination of stacking, and available coverage options. The bill affects all Pennsylvania drivers purchasing auto insurance policies, as it standardizes coverage requirements and eliminates previous options for stacking or waiving coverage.
Bill status in committee 1 of 4 stages cleared
Introduction
Apr 2025
Committee Review
Floor Vote
Governor
Introduced Apr 9, 2025 Last action Apr 9, 2025
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Full legislative history

Actions timeline

Total actions
1
Key actions
0
Committee
1
Apr 9, 2025
Committee
Referred to Banking & Insurance
upper
1 primary · 3 co-sponsors

Sponsors