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SF2639 (Legislative Session 94 (2025-2026))

Uninsured and underinsured motorist liability coverage amounts increase, motorcycle insurance inclusion uninsured and underinsured coverage requirement provision, traumatic brain injury recovery account and program establishment provision, and automobile insurance surcharge for traumatic brain injury recovery account and program requirement provision

Related bill: HF2494

AI Generated Summary

Purpose of the Bill

This bill aims to improve protections for motorists and support individuals recovering from traumatic brain injuries in Minnesota. It focuses on enhancing insurance coverage and establishing a program specifically for traumatic brain injury recovery.

Main Provisions

  • Insurance Coverage Increases: The bill requires motorcycle insurance policies to include uninsured and underinsured motorist coverage, raising the minimum amounts for liability and these coverages for all motorists.
  • Traumatic Brain Injury Recovery Program: It establishes a recovery program dedicated to assisting those with traumatic brain injuries, including creating an account to fund these efforts.
  • Surcharge for Funding: The bill mandates a surcharge on automobile insurance policies to finance the traumatic brain injury recovery program.
  • Arbitration Timelines: It sets specific timelines for arbitration processes related to insurance claims, aiming to expedite resolutions.
  • Mandatory Notifications: Insurance providers must inform policyholders about the new surcharge and provide details on how to access services related to the traumatic brain injury program.

Significant Changes to Existing Law

  • Amends current statutes to integrate the requirement for motorcycle insurance to include uninsured and underinsured coverage.
  • Introduces a new requirement for a traumatic brain injury recovery surcharge on automobile insurance.
  • Adds definitions and procedural changes within existing Minnesota statutes to align with the goals of the traumatic brain injury program.

Relevant Terms

  • Traumatic brain injury
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Motorcycle insurance
  • Arbitration
  • Automobile insurance surcharge
  • Life care planner

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
March 16, 2025SenateFloorActionIntroduction and first reading
March 16, 2025SenateFloorActionReferred toCommerce and Consumer Protection

Citations

 
[
  {
    "analysis": {
      "added": [
        "Includes provision for uninsured and underinsured motorist coverage."
      ],
      "removed": [
        "N/A"
      ],
      "summary": "The bill amends insurance coverage requirements, affecting personal injury protection under section 65B.44.",
      "modified": [
        "Revises liability coverage limits."
      ]
    },
    "citation": "65B.44"
  },
  {
    "analysis": {
      "added": [
        "Requirement for motorcycle insurance to include specific coverages."
      ],
      "removed": [
        "N/A"
      ],
      "summary": "Adjusts requirements for insurance coverages under section 65B.48.",
      "modified": [
        "Clarifies compliance for insurers."
      ]
    },
    "citation": "65B.48"
  },
  {
    "analysis": {
      "added": [
        "Addition of timelines for arbitration processes."
      ],
      "removed": [
        "N/A"
      ],
      "summary": "Addresses the terms and conditions of automobile insurance policies under section 65B.49.",
      "modified": [
        "Updates to uninsured and underinsured motorist coverage language."
      ]
    },
    "citation": "65B.49"
  }
]

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