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DelawareSS 1 for SB 189153rd General Assembly (2024–2026)Senate

ACT TO AMEND TITLE 18 OF THE DELAWARE CODE RELATING TO UNFAIR PRACTICES IN THE INSURANCE BUSINESS.

Sponsored By: Nicole Poore (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 1 costs, 0 mixed.

Crash victims can cancel early settlements

The law takes effect six months after enactment. If injured in a motor vehicle crash, you can cancel a release of injury claims signed within 30 days of injury. You must have acted without a lawyer’s help or advice. You also must have had no power of attorney or employment contract with a lawyer to recover crash damages. You have 15 days after signing to cancel. Without a signed release, the 15 days starts when you cash a settlement check or receive electronic settlement funds. You must send written notice and return any check or settlement money to the party released, its lawyer, or its insurer. Both must be sent no later than 10 days after the 15-day cancellation period ends. Releases signed within 30 days of the accident must clearly and separately state cancellation rights on the release or settlement check. If neither document exists, you must receive written notice.

Crash victims may face delayed payments

The law takes effect six months after enactment. When a crash victim cancels or seeks to cancel a release, the insurer may hold back later settlement money. It may do so until it confirms that the earlier check or settlement money has been returned.

Sponsors & Cosponsors

Sponsor

  • Nicole Poore

    Democratic • Senate

Cosponsors

  • Nnamdi O. Chukwuocha

    Democratic • House

  • Larry Lambert

    Democratic • House

  • Bryan Townsend

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 60 • No: 1

House vote • 6/23/2026

Passed (2/3 required)

Yes: 39 • No: 1

Senate vote • 5/13/2026

Passed (SM required)

Yes: 21 • No: 0

Actions Timeline

  1. Signed by Governor

    9/24/2026Governor

  2. Passed By House. Votes: 39 YES 1 NO 1 ABSENT

    6/23/2026House

  3. Reported Out of Committee (Economic Development/Banking/Insurance & Commerce) in House with 10 On Its Merits

    6/16/2026House

  4. Assigned to Economic Development/Banking/Insurance & Commerce Committee in House

    5/14/2026House

  5. Passed By Senate. Votes: 21 YES

    5/13/2026Senate

  6. Amendment SA 1 to SS 1 - Passed By Senate. Votes: 21 YES

    5/13/2026Senate

  7. Amendment SA 1 to SS 1 - Introduced and Placed With Bill

    5/13/2026Senate

  8. was introduced and adopted in lieu of SB 189

    5/12/2026Senate

Bill Text

  • Current

    5/12/2026

    HTML

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