AN UNFRIENDLY AMENDMENT WAS ADDED TO HB 627- 

ACTION NEEDED BEFORE 9AM FRIDAY 3/27/2026! 

PLEASE call/text/email your SENATOR tonight or tomorrow morning before 9 am ET. 

FIND MY SENATOR

The PIP bill could be voted on tomorrow and there are two UNFRIENDLY floor amendments filed today to HB 627. The underlying bill would improve Kentucky's PIP system for consumers, allowing their PIP benefits to be used to get more treatment after an auto accident. But Senate Floor Amendments 1 & 2 are not good for consumers and in fact, would INCREASE auto insurance premiums for a large segment of Kentuckians, particularly those who are low-income, who will be forced to decide between paying rent, buying groceries or insuring their car. 

SFA 1 & 2 would increase the minimum liability and property damage limits Kentuckians are mandated to purchase, resulting in Kentucky having the highest auto insurance limits in the country. It sounds good to have more auto insurance coverage, a choice that Kentuckians already have today, but with more coverage comes HIGHER PREMIUMS. 

SFA 1 & 2 are a GOVERNMENT MANDATE. In Kentucky, having auto insurance is mandatory, so the impact of SFA 1 & 2 is that the government will be telling Kentuckians the amount of auto insurance they have to buy will go up EVERY YEAR for 5 YEARS! 

 SFA 1 & 2 will lead to more UNINSURED DRIVERS. As coverage limits and premiums rise, fewer people will be able to afford coverage, leading to more uninsured drivers and, in turn, more uninsured motorist claims. So not only do auto liability insurance limits and premiums go up, so do uninsured motorist premiums as direct claims for uninsured motorists also rise. 

SFA 1 & 2 are unfriendly amendments and take a bill good for consumers and turn it into a bill that is BAD for consumers. We urge you to VOTE NO on SFA 1 & 2, but YES on HB 627!