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Automobile Insurance Reform Task Force

Thursday, March 5, 2026·1h 51m·▶ Watch / Listen

The Delaware Automobile Insurance Reform Task Force voted on more than a dozen recommendations, defeating proposed PIP medical fee schedules and a collateral source rule exploration on largely party-physician lines, while advancing recommendations on towing reform, gig-worker insurance, PIP transparency, arbitration education, and speed camera expansion.

Key Actions

·PIP Medical Fee Schedule – Feasibility Study MotionFailed

+ 13 more actions

Controversies

Whether a PIP medical fee schedule is appropriate and supported by data

Dr. Colon argued that no insurance industry representative had provided data showing what reduction in fees would yield in consumer savings after six months of discussion, and that PIP is a flat-fee closed system requiring no actuarial mystery. Miranda Clifton countered that insurers currently pay many times what Medicaid or health insurance pays and that a fee schedule need not go below Medicare rates. Carlene Ryan stated she did not understand why the task force was pushing the recommendation without evidence it would address premiums.

+ 3 more controversies

Notable Quotes

“I'm at a loss to explain why the insurance industry can't use actuaries to figure out how $15,000 be paid, regardless of who it's paid to. PIP is pip. It's a flat fee. We all buy X, Y or Z. That doesn't change. So if they have a PIP problem, maybe they have an actuarial issue. We've had this discussion for six months and today we have not answered that question.”

Dr. Colon — Dr. Colon challenged the insurance industry's push for a PIP medical fee schedule, arguing that because PIP is a fixed-limit product, insurers should be able to manage costs without legislative intervention.

+ 3 more quotes

Votes

Further investigating the feasibility of establishing a medical fee schedule for PIP with considerations for doctors' concerns, including quicker payment and availability of available PIP limitsFailed
Yes (4)Holly Bakke, Miranda Clifton, Courtney Thomas, Travis Downs
No (12)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexeyev, Dr. Colon, Steve Moore, Harry Phillips, Lee Dodson, Representative Short, Representative Bush
Absent (2)Chair (abstaining), Nancy Gay (not clearly recorded)
Further explore the use of the collateral source ruleFailed
Yes (6)Holly Bakke, Miranda Clifton, Courtney Thomas, Travis Downs, Lee Dotson, Commissioner Navarro
No (10)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexeyev, Dr. Colon, Steve Moore, Harry Phillips, Representative Short
Absent (3)Representative Bush (not voting), Chair (not voting), Nancy Gay (not clearly recorded)
PIP Balance Transparency Recommendation 6C (motion by Dr. Brown, seconded by Dr. Ennis)Passed
Yes (15)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexeyev, Dr. Colon, Steve Moore, Harry Phillips, Holly Bakke, Travis Downs, Lee Dodson, Commissioner Navarro, Representative Bush, Chair
No (2)Miranda Clifton, Representative Short
Absent (2)Courtney Thomas (abstain), Nancy Gay (not clearly recorded)
Arbitration Framework amended to explore education and promotion of existing framework including Consumer Bill of RightsPassed
Yes (16)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexeyev, Dr. Colon, Steve Moore, Harry Phillips, Holly Bakke, Courtney Thomas, Travis Downs, Lee Dotson, Commissioner Navarro, Representative Bush, Chair
No (1)Miranda Clifton
Absent (2)Nancy Gay (not clearly recorded), Representative Short (not clearly recorded)
Encourage the Delaware General Assembly to adopt an amendment to Title 18, Section 3916 related to prohibiting carriers from steering to specific repair facilitiesPassed
Yes (16)Dr. Straight, Dr. Qureshi, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexeyev, Dr. Colon, Steve Moore, Harry Phillips, Holly Bakke, Nancy Gay, Travis Downs, Lee Dotson, Commissioner Navarro, Representative Bush, Chair
Absent (3)Miranda Clifton (abstain), Courtney Thomas (abstain), Representative Short (not clearly recorded)
Encourage the Delaware General Assembly and the Delaware Department of Transportation to allow for the more widespread use of speed cameras for DelawareNo Vote
Yes (15)Dr. Straight, Carlene Lynn, Dr. Brown, Dr. Ennis, Dr. Alexio, Dr. Colon, Steve Morrow, Harry Phillips, Nancy Gay, Courtney Thomas, Travis Downs, Commissioner Navarro, Representative Bush, Chair, Dr. Berry
Absent (3)Dr. Qureshi (called twice, response unclear), Lee Dodson (not stated before next name called), Representative Short (not stated)
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TranscriptPreview
In progress. Good afternoon, everyone. As co chair of the Automobile Insurance Reform Task Force, and in accordance with Title 29, Chapter 100 of the Delaware Code, this public body is authorized to meet in hybrid format. Many 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 indicate if they would like to provide public comment. Please note that any votes today should be done by roll call vote, the exception being approval of the minutes. We'll begin by taking roll call attendance to the task force members. Present. Task force members join 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 your device and affirm your attendance once you go recording as present. Please mute your device for the duration of the roll call. I'm state Senator. School…
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