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Pennsylvania Consolidated Statutes

75 Pa. Cons. Stat. § 1799.3 (2026)

  Limit on cancellations, refusals to renew, refusals to write, surcharges, rate penalties and point assignments.

✓ current as of May 2026
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§ 1799.3.  Limit on cancellations, refusals to renew, refusals to write, surcharges, rate penalties and point assignments.

(a)  Damage claims.--No insurer shall cancel or refuse to renew a policy or apply any surcharge, rate penalty or driver record point assignment where, during the preceding three-year period, the aggregate cost to the insurer for any person injured or property damaged is determined to be less than $650 in excess of any self-insured retention or deductible applicable to the named insured.

(b)  Reimbursements.--A surcharge, rate penalty or driver record point assignment shall not be made if the insurer is reimbursed by or on behalf of the named insured or other resident operator for at least 60% of the total amount of the paid claim received through subrogation or from a settlement or judgment against the individual responsible for the accident.

(c)  First party medical claims.--No surcharge, rate penalty or driver record point assignment shall be made as a result of an insurer paying a first party medical claim.

(d)  Notice to insured.--If an insurer makes a determination to impose a surcharge, rate penalty or driver record point assignment, the insurer shall inform the named insured of the determination and shall specify the manner in which the surcharge, rate penalty or driver record point assignment was made and clearly identify the amount of the surcharge or rate penalty on the premium notice for as long as the surcharge or rate penalty is in effect.

(e)  Adjustment of cap.--The Insurance Department, at least once every three years, shall adjust the $650 cap or limit relative to changes in the components of the Consumer Price Index (Urban) to measure seasonally adjusted changes in medical care and automobile maintenance and repair costs and shall make such adjustments to the cap or limit as shall be necessary to maintain the same rate of change in the cap or limit as has occurred in the Consumer Price Index (Urban). Such adjustments may be rounded off to the nearest $50 figure.

(f)  Notice of refusal to write.--If requested by the applicant, an agent for an insurer shall submit an application for automobile insurance to the insurer or provide the applicant written notice of the reasons for refusal to write on a form supplied by the insurer and approved by the commissioner. An applicant receiving a notice of reasons under this subsection may obtain review by the commissioner pursuant to the Automobile Insurance Policy Act. If either the applicant or insurer is aggrieved by the commissioner's review, the commissioner may, in his discretion and for cause shown, hold a hearing pursuant to the Automobile Insurance Policy Act. No insurer shall take any action, overt or otherwise, against any agent or broker for complying with this subsection.

(g)  Conflict with other law.--The limitations imposed on cancellations, refusals to renew, surcharges, rate penalties and point assignments by this section shall be in addition to any other limitations imposed by other laws. Where any conflict exists between this section and the provisions of any other law, this section shall be applied so as to supersede such other laws to the extent of the conflict.

(Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990)

 

1990 Amendment.  Act 6 added section 1799.3.

References in Text.  The act of June 5, 1968 (P.L.140, No.78), referred to as the Automobile Insurance Policy Act, referred to in subsec. (f), was repealed by the act of June 17, 1998 (P.L.464, No.68). The subject matter is now contained in Article XX of the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921.

Cross References.  Section 1799.3 is referred to in section 1702 of this title.

Notes of Decisions
Cited in 3 cases, 1995–2011 · leading case: Phillips v. Ins. Comm'r of the Commonwealth, 980 A.2d 687 (Pa. Commw. Ct. 2009).
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Phillips v. Ins. Comm'r of the Commonwealth, 980 A.2d 687 (Pa. Commw. Ct. 2009). “See 75 Pa.C.S. § 1799.3. Once the insurer shoulders this burden, the burden shifts to the insured to establish that there are circumstances which warrant exclusion from the nonrenewal.”
State Farm Mut. Auto. Ins. v. Ins. Dep't, 20 A.3d 570 (Pa. Commw. Ct. 2011). · cites it 2× “See 75 Pa.C.S. § 1799.3. Once the insurer shoulders this burden, the burden shifts to the insured to establish that there are circumstances which warrant exclusion from nonrenewal.”
Iwanejko v. Ins. Comm'r of the Commonwealth, 664 A.2d 1069 (Pa. Commw. Ct. 1995). · cites it 2× “75 Pa.C.S. § 1799.3. Petitioner argues that by operation of Section 1799.”
75 Pa. Cons. Stat. § 1799.3(a): 1 case
Iwanejko v. Ins. Comm'r of the Commonwealth, 664 A.2d 1069 (Pa. Commw. Ct. 1995). “75 Pa.C.S. § 1799.3. Petitioner argues that by operation of Section 1799.”
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