SCS/SB 955 - Currently, automobile insurance policies in this state can not be renewed with types or limits of coverage that are not at least equal to those in the existing policy – the existing policy must be cancelled and a new policy issued in its place. The act removes this restriction for reductions that do not apply to all insureds with the same policy form, but requires written notice of the reduction in coverage to be provided to the insured no less than 15 days prior to the effective date of the proposed reduction. Such notice may be provided at the same time as written notice of policy renewal. These provisions are identical to provisions in SB 708 (2018) and HCS#2/SS#2/SCS/SB 1050 (2018), and are substantially similar to provisions in HCS/HB 2270 (2018). ERIC VANDER WEERD