Automobile Insurance Reform Task Force

Tuesday, February 3, 2026·1h 0m·▶ Watch / Listen

The Delaware Automobile Insurance Reform Task Force held a continuation hearing on medical cost drivers and litigation costs in automobile insurance, with no votes taken on substance and significant disagreement among members on the collateral source rule, PIP payment structures, care paths, and the relevance of Florida's insurance reforms to Delaware. Commercial auto insurance was deferred to the next meeting on February 9th.

Key Actions

·Medical Costs – PIP, Collateral Source Rule, Fee Schedules, Care PathsNo Vote

+ 2 more actions

Controversies

Collateral source rule — who is protected, insurers or injured parties

Mindy [last name not stated on record] argued the collateral source rule creates a 'bubble' of unjust enrichment for plaintiffs and drives up insurance costs shared by all policyholders, framing the purpose of insurance as making an injured person whole rather than making them rich. Steve Morrow countered that the Delaware Supreme Court has 'time and time again said don't prejudice the injured person in favor of the insurance company,' and argued that the injured person — who may be out of work and had the foresight to carry health insurance — should receive the benefit, not the insurer of the at-fault party. Mindy responded that eliminating the rule 'is not rewarding the insurance companies, it's actually driving up the cost of insurance because it's being shared by everyone.'

+ 4 more controversies

Notable Quotes

“Thank you again. Anybody else? Okay, so then may I have a motion to accept the minutes as corrected? So moves motion. Is there a second? Second? Yeah. Second. All those in favor of accept of approving the minutes of January 26 as amended, please signify by saying aye. Any opposed? Okay, minutes are. Okay, so for today's agenda, we are going to finish medical medical costs. I'd to keep that discussion. I know we had a very robust discussion”
Mindy [last name not stated on record; task force Members — Mindy was presenting her framing of the core medical cost problem in automobile insurance PIP payments, arguing that the same medical services are billed at higher rates under PIP than under Medicare or commercial health insurance.

+ 4 more quotes

Votes

Motion to approve the minutes of the January 26 meeting (initial motion — superseded before vote completed due to correction raised)No Vote

Motion to approve the minutes of the January 26 meeting as corrected/amendedPassed

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TranscriptPreview

We're good. Okay. And we're recording. Make sure we get that part down. Recording in progress. Okay. Good afternoon, everyone. As co chair of the Automobile Insurance Reform Task Force, and in accordance with Title 29 of Chapter 100 of the Delaware Code, this public body is authorized to meet in hybrid format. Committee members and members of the public are able to participate either in person or virtually through zoom webinar. Instructions for providing public comment are posted on the General Assembly's website under this task force meeting notice and will be provided during the public comment portion of this meeting. Members of the public attending in person should sign the signing document for attendance and to indicate if they would like to provide public comment. Please note that any votes that may be taken today other than approval minutes shall be done by roll call vote. So we shall begin today by taking roll call attendance of task force members. Present. Task force members joining virtually. Please ensure that your cameras remain on for the entirety of the meeting to the best of your ability. When your name is called, please unmute your device and affirm your attendance.…

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