Senate Commerce Committee releases Singer-backed bill to bar 'step-down' auto-insurance clauses

May 18, 2026

The Senate Commerce Committee voted to release S-3187, which would prohibit so-called "step-down" provisions that reduce coverage for certain passengers or listed drivers; insurers warned it could raise premiums while consumer advocates said the clauses are hidden and unfair.

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The Senate Commerce Committee voted May 18 to release S-3187, a bill sponsored by Senate President and Sen. Wayne Singer that would bar motor vehicle liability policies from using "step-down" clauses to reduce recoverable limits for permissive users, listed drivers, resident relatives or passengers.

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