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S 2931 108th Congress Senate

Auto Choice Reform Act of 2004

Official title: A bill to enable drivers to choose a more affordable form of auto insurance that also provides for more adequate and timely compensation for accident victims, and for other purposes.

Introduced: October 7, 2004 Introduced by: Cornyn, John Republican · Texas See on congress.gov
Transportation and Public Works Automobile insuranceChoice of lawCivil actions and liabilityCommerce
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Consumer educationConsumer protectionCrime and Law EnforcementDamagesDrug abuseDrunk drivingFederal preemptionFinance and Financial SectorFraudGovernment Operations and PoliticsGovernment publicityInsurance agentsInsurance companiesInsurance premiumsLabor and EmploymentLawLiability (Law)Liability insuranceLimitation of actionsNegligenceNo-fault automobile insuranceState lawsTortsTraffic accidents and safetyUninsured motoristsWorkers' compensation
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This bill died when the 108th Congress ended
It never became law before the 108th Congress (2003–2004) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 7, 2004
Read twice and referred to the Committee on Commerce, Science, and Transportation.
Oct 7, 2004
Sponsor introductory remarks on measure. (CR S10727-10728)
Oct 7, 2004
Introduced in Senate
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 Latest action October 7, 2004

Read twice and referred to the Committee on Commerce, Science, and Transportation.

 Plain-English summary Congressional Research Service
Auto Choice Reform Act of 2004 - Authorizes motor vehicle insurers to offer a choice between the personal injury protection and tort maintenance systems prescribed by this Act.

Deems persons who fail to select a type of insurance to have elected insurance under the tort maintenance system.

Authorizes the appropriate State official to establish a consumer notification program regarding: (1) the comparative cost of insurance under the personal injury protection and tort maintenance systems; and (2) the benefits, rights, and obligations of the insurers and insureds under such systems. Requires insurers to provide such information to a consumer before the consumer chooses insurance.

Prescribes minimum requirements for the personal injury protection system and the tort maintenance system.

Exempts a State from application of this Act if the State: (1) declares by statute by a specified date that this Act shall not apply; or (2) finds that average premiums will not be reduced by an average of at least 30 percent for persons choosing the personal injury protection system.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Republican 1
R
McConnell, Mitch
Kentucky · Oct 7, 2004
Cite this page click to expand
APA
U.S. Congress. (2026). S. 2931: Auto Choice Reform Act of 2004. 108th Congress. Open America. https://openamerica.io/bill/108-S-2931/
MLA
"S. 2931: Auto Choice Reform Act of 2004." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-S-2931/.
Bluebook (legal)
S. 2931, 108th Cong. (2026), https://openamerica.io/bill/108-S-2931/.
Markdown link
[S. 2931: Auto Choice Reform Act of 2004](https://openamerica.io/bill/108-S-2931/)
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