Automobile Insurance Reform Task Force

Wednesday, January 21, 2026·2h 13m·▶ Watch / Listen

The Delaware Automobile Insurance Reform Task Force held a working session covering auto repair costs, insurance rating factors, market entry barriers, and fraud — including pending legislation SB 45 on application fraud. No votes were taken and no bills advanced; the session was primarily informational, with homework assignments issued to members ahead of a February deadline for the task force's final report.

Key Actions

·SB 45 – Insurance Application FraudNo Vote

+ 14 more actions

Controversies

Whether commercial insurers already writing in Delaware have valid reasons not to enter private passenger auto

Dr. Colon argued that if companies are already writing commercial in Delaware, the market size and state similarity arguments 'don't hold water' because they already have a relationship with the department. Holly Backey countered that 'private passenger auto is so distinctly different' and that Delaware's different PIP system requires building 'a different platform,' making it a cost issue with limited return given the size of the state.

+ 2 more controversies

Notable Quotes

“We have something in the regulatory world called the desk drawer, which is things don't go by the statute. They go and to the desk drawer, you're not quite sure why they're being held on to. And that creates a system where I can't run a business, which is what they said, I can't run a business if I don't know what I file. I'm going to get an answer. It's going to be reasonable, and I'm going to get it in a reasonable time frame.”
Holly Backey (task force member) — Backey was describing informal regulatory practices at the Delaware Department of Insurance — rules applied without being formally written — and their effect on insurers' ability to operate predictably, in the context of why commercial insurers are reluctant to enter the Delaware private passenger auto market.

+ 3 more quotes

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TranscriptPreview

Recording in progress. Welcome to the Zoom webinar. Instructions for providing public comment are posted on General Assembly's website under the Task Force meeting 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 that may be taken today other than quarterly minutes shall be done by a roll call vote. Let's begin 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. Your name is called. Please unmute and affirm your attendance. And once you've been reported as pleasant, please mute your device for the duration of the roll call. I'm Senator Spuros. Manos. I'm present. Representative Bill Bush. Present. Senator David Wilson. Representative Danny Short. Absolutely. Commissioner Navaro. Christina Miller. Commissioner Navaro, you're going to be here first. Okay. Lee Dotson. Present. Travers Downs. Okay. Courtney Thomas. Present. Nancy Egan. Present. Mindy Clifton. Holly Backey. Present. Harry Phillips. Present. Steve Morrow.…

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