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S 1860 104th Congress Senate

Auto Choice Reform Act of 1996

Official title: A bill to provide for legal reform and consumer compensation relating to motor vehicle tort systems, and for other purposes.

Introduced: June 11, 1996 Introduced by: McConnell, Mitch Republican · Kentucky See on congress.gov
Transportation and Public Works Automobile insuranceCommerceConsumer protectionFederal preemption
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Finance and Financial SectorGovernment Operations and PoliticsInsurance agentsInsurance premiumsInsurance ratesLawLiability (Law)Motor vehiclesNegligenceNo-fault automobile insuranceState lawsTorts
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 24, 1996
Committee on Commerce. Hearings held. Hearings printed: S.Hrg. 104-613.
Jun 11, 1996
Read twice and referred to the Committee on Commerce.
Jun 11, 1996
Sponsor introductory remarks on measure. (CR S6096-6097, S6103)
Jun 11, 1996
Introduced in Senate
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 Latest action September 24, 1996

Committee on Commerce. Hearings held. Hearings printed: S.Hrg. 104-613.

 Plain-English summary Congressional Research Service

Auto Choice Reform Act of 1996 - Authorizes consumers of motor vehicle insurance to choose between present tort liability coverage for personal injury under the State's financial responsibility law or, in lieu thereof, insurance that combines first-party insurance and the right to sue negligent drivers for all further uncompensated economic losses. Sets forth certain requirements for such policies.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 1860: Auto Choice Reform Act of 1996. 104th Congress. Open America. https://openamerica.io/bill/104-S-1860/
MLA
"S. 1860: Auto Choice Reform Act of 1996." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-S-1860/.
Bluebook (legal)
S. 1860, 104th Cong. (2026), https://openamerica.io/bill/104-S-1860/.
Markdown link
[S. 1860: Auto Choice Reform Act of 1996](https://openamerica.io/bill/104-S-1860/)
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