some process of changing their auto insurance poli-
cies. 
(2) The Servicemembers Civil Relief Act (50 
U.S.C. App. 501 et seq.) allows the men and women 
serving in the United States Armed Forces to keep 
a stable domicile with respect to auto licensing and 
fees even if they are forced to move temporarily in 
compliance with military orders. 
(3) The Federal Insurance Office of the U.S. 
Department of the Treasury, in its report of Decem-
ber 12, 2013, on how to modernize and improve the 
system of insurance regulation in the United States, 
found that ‘‘an individual on active duty can trans-
fer credit cards, checking accounts, and other finan-
cial services simply by submitting a change of ad-
dress form. By contrast, an individual moving from 
one state to another may be required to obtain a 
new auto insurance policy on each transfer’’. Fur-
thermore the report called on interested parties ‘‘to 
identify a more accommodating approach for service 
members who have personal auto policies and are re-
quired to move across state lines’’. 
(4) Relief should be provided with respect to 
auto insurance policies for servicemembers and their 
families that are required to move in compliance 
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with any temporary duty or permanent change of 
station order. 
(b) PURPOSE.—The purpose of this Act is to reduce 
the burdens and increase the protections involved in 
changing auto insurance policies for servicemembers and 
their families who are required to move in compliance with 
a temporary duty or permanent change of station order. 
SEC. 3. MAINTENANCE OF DOMICILE FOR INSURANCE PUR-
POSES. 
(a) IN GENERAL.—A member of a household of a 
servicemember shall neither lose nor acquire a residence 
or domicile for purposes of insuring a motor vehicle used 
primarily for personal, family, or household use if— 
(1) in the case of a member of the household 
who is a servicemember, such servicemember has 
temporarily moved to comply with any temporary 
duty or permanent change of station order; or 
(2) in the case of any other member of the 
household, such member has temporarily moved to 
accompany a servicemember of such household who 
is complying with any temporary duty or permanent 
change of station order. 
(b) NOTICE.— 
(1) REQUIREMENT.—If a member of a house-
hold of a servicemember notifies an insurer of a 
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motor vehicle of such member of a move referred to 
in subsection (a), such insurer shall provide such 
member with a servicemembers insurance choice no-
tice under paragraph (2). 
(2) SERVICEMEMBERS INSURANCE CHOICE NO-
TICE.—The Director of the Federal Insurance Office 
of the Department of the Treasury shall promulgate, 
in compliance with the rulemaking requirements of 
subchapter II of chapter 5 of title 5, United States 
Code (commonly known as the Administrative Proce-
dure Act)— 
(A) a standard servicemembers insurance 
choice notice that shall— 
(i) summarize clearly and in plain lan-
guage the right of servicemembers and 
members of their households, in addition to 
options available under current law, to con-
tinue an existing auto insurance policy as 
allowed by the insurer with appropriate ad-
justments that relate only to location risk 
factors; 
(ii) include language notifying the 
servicemember that the insurer to whom 
the servicemember provided the notice of a 
move shall explain the coverage options 
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available to the servicemember as a result 
of the move; and 
(iii) include standard language that 
requires no alterations or additions for an 
insurer providing the notice to be fully in 
compliance with paragraph (1); and 
(B) standards regarding methods for 
transmittal of such notice to a member of a 
household of a servicemember that are suffi-
cient to comply with paragraph (1). 
(3) SAFE HARBOR.—Paragraph (1) may not be 
construed to impose any duty on an insurer who is 
notified of a move referred to in subsection (a) to 
determine whether the person providing such notice 
is a servicemember. 
(c) LIMITATIONS.—Nothing in this section shall be 
construed to— 
(1) require a person to maintain an existing 
auto insurance policy; 
(2) allow an insurer to impose any penalties 
against a member of a household of a servicemember 
based solely on a decision to maintain or not main-
tain an existing auto insurance policy, as allowed by 
the insurer with appropriate adjustments that relate 
only to location risk factors; or 
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(3) require an insurer to continue providing 
coverage to such a member. 
(d) PREEMPTION.—The provisions of this Act shall 
supersede any and all State or local laws that conflict with 
this Act, including— 
(1) any State or local law that requires a mem-
ber of a household of a servicemember to change the 
auto insurance policy of such member; 
(2) any State or local law that seeks to assert 
control over the regulation of such policy other than 
by the State in which the auto insurance policy was 
issued or renewed; and 
(3) any State or local law regarding proof of in-
surance that prohibits the electronic delivery of in-
surance documents. 
(e) LIABILITY LIMITS.—Notwithstanding subsection 
(d)(2), the minimum security requirements for motor vehi-
cles of the State where a servicemember resides shall apply 
to an auto insurance policy of a member of such 
servicemember’s household. 
(f) ENFORCEMENT.—Authority to examine and en-
force insurer compliance with the provisions of this Act 
shall be held by the State in which the auto insurance pol-
icy was issued or renewed. 
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SEC. 4. DEFINITIONS. 
In this Act: 
(a) MEMBER OF A HOUSEHOLD.—The term ‘‘mem-
ber of a household’’ means, with respect to a servicemem-
ber— 
(1) the servicemember; 
(2) the spouse of the servicemember; or 
(3) any dependent residing with the service-
member or the spouse of the servicemember. 
(b) MOTOR VEHICLE.—The term ‘‘motor vehicle’’ has 
the meaning given the term in section 30102(a)(6) of title 
49, United States Code. 
(c) SERVICEMEMBER.—The term ‘‘servicemember’’ 
means a member of the uniformed services, as such term 
is defined in section 101(a) of title 10, United States 
Code, or of the National Guard or the reserve components 
thereof. 
(d) STATE.—The term ‘‘State’’ means each of the 
several States of the United States, the District of Colum-
bia, and any commonwealth, territory, or possession of the 
United States. 
(e) TEMPORARILY MOVED.—The term ‘‘temporarily 
moved’’ means, with respect to a person, that the person 
has moved from one State to another but has not decided 
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