Pennsylvania lawmakers want insurers to provide more property damage coverage - a lot more - on auto insurance policies.
House Bill 1666, introduced June 25, 2025, proposes raising the minimum property damage liability coverage from $5,000 to $25,000 per accident. This would apply to all auto policies issued or renewed on or after the bill’s effective date, set for 60 days after enactment.
For insurers, that means updating policies, revising coverage notices, and adjusting pricing. The bill affects how insurers meet the state’s definition of “financial responsibility” - the minimum coverage drivers need to legally operate a vehicle.
Importantly, HB1666 clarifies that insurers don’t need new signatures from policyholders on waivers, tort elections, or benefit selections solely because of this change in property damage limits. And if an older notice mentioned the previous $5,000 limit, that notice won’t be invalid just because of the new law.
The bill does not alter minimum bodily injury coverage levels, uninsured or underinsured motorist bodily injury minimums, or other core policy structures beyond the property damage increase.
The legislation still needs to move through the Pennsylvania House and Senate, but it signals a significant shift in the state’s auto insurance requirements - one insurers will want to track closely.
