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Automobile Insurance Reform Task Force

Tuesday, March 3, 2026·2h 45m·▶ Watch / Listen

Delaware's Automobile Insurance Reform Task Force voted on more than a dozen recommendations spanning uninsured motorists, fraud, teen driver safety, commercial auto, and market competition. Most recommendations passed unanimously or near-unanimously, but a license point framework failed for lack of a second and a socioeconomic factors recommendation died without a motion.

Key Actions

·Rec. 1C – DMV Payment Thresholds + Community Service Option (amended)Passed

+ 14 more actions

Controversies

Rec. 1C — Higher DMV payment minimums for uninsured drivers

Representative Bush argued that increasing the minimum monthly payment amount would leave less money available for uninsured drivers to purchase insurance, stating the 'absence of having money' is why people get caught up in the system, while the task force majority approved the amended recommendation — which also added a community service option — with Bush recorded as not voting or unclear from the transcript.

+ 4 more controversies

Notable Quotes

“If we're increasing the higher minimum amount that they have to pay, that's less money they're going to have to pay insurance. And that just concerns people. And I find in my court practice one of the biggest things that I find is that the absence of having money, which is why people get caught up in the entire system.”

Representative Bush — Bush raised this concern during debate on Recommendation 1C, which would increase the minimum monthly payment threshold for individuals on DMV payment plans for driving-without-insurance fines, and also add a community service option.

+ 3 more quotes

Votes

Approve Recommendation 1C as amended — higher DMV payment thresholds and community service optionPassed
Yes (16)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Kalong, Steve Morrow, Terry Phillips, Holly Bakke, Miranda Clifton, Nancy Gay, Courtney Thomas, Travis Downs, Lee Dotson, Tina Miller, Mantzavinos
Approve Senate Bill 45 recommendation — support passage (fraud)Passed
Yes (16)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Trevor Ennis, Dr. Colon, Steve Morrow, Harry Phillips, Holly Backe, Nancy Gay, Courtney Thomas, Travis Downs, Lee Dodson, Tina Miller, Representative Bush, Mantzavinos
Absent (1)Miranda Clifton — abstained, stating 'I just don't know enough about it'
Approve flex rating policy recommendation as amended — request Department of Insurance to explore and reportPassed
Yes (15)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Colon, Steve Morrow, Perry Phillips, Holly Backey, Miranda Clifton, Nancy Gay, Courtney Thomas, Travis Downs, Lee Dodson, Representative Bush
No (1)Tina Miller
License point framework / uninsured motorist fund recommendationFailed
Socioeconomic factors in underwriting recommendationNo Vote
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TranscriptPreview
Recording in progress. Okay, can I get a thumbs up that I can. Somebody, you can hear me. Okay, so I am going to repeat. I'm going to presume that the first part of my script again that kind of goes through all that stuff was not heard. So I'm going to go through that again. So shall we begin? Okay. As co chair of the Orlando Field Insurance Reform Task Force and in accordance with Title 29, Chapter 100 of the Delaware Code, this public body is authorized to meet in a hybrid format. Community 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 in 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 sign in document for attendance and to indicate if they would like to provide public comment. Please note that any votes today that may be taken today shall be done by rollcom or vote, the exception being approval of a minute. Let's begin today meeting by…
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