HB1360 (2018) Detail

Prohibiting the use of certain information to underwrite insurance coverage.


HB 1360 - AS INTRODUCED

 

 

2018 SESSION

18-2460

01/05

 

HOUSE BILL 1360

 

AN ACT prohibiting the use of certain information to underwrite insurance coverage.

 

SPONSORS: Rep. Hatch, Coos 6; Rep. Gottling, Sull. 2; Rep. Eaton, Ches. 3

 

COMMITTEE: Commerce and Consumer Affairs

 

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ANALYSIS

 

This bill makes it a discriminatory and unfair insurance trade practice to charge higher premiums for automobile and homeowners insurance based on credit rating.  Current law allows the use of credit reports for such purposes if it is not the sole reason for higher premiums.

 

This bill also prohibits insurers from requesting certain information to underwrite casualty insurance coverage.

 

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Explanation: Matter added to current law appears in bold italics.

Matter removed from current law appears [in brackets and struckthrough.]

Matter which is either (a) all new or (b) repealed and reenacted appears in regular type.

18-2460

01/05

 

STATE OF NEW HAMPSHIRE

 

In the Year of Our Lord Two Thousand Eighteen

 

AN ACT prohibiting the use of certain information to underwrite insurance coverage.

 

Be it Enacted by the Senate and House of Representatives in General Court convened:

 

1  Unfair Insurance Trade Practice; Automobile Insurance and Homeowner Insurance.  Amend RSA 417:4, VIII(g) to read as follows:

(g)  Charging a higher premium for private passenger automobile or homeowner insurance [solely] on the basis of information obtained from a credit rating, a credit history, or a credit scoring model.

2  New Paragraph; Unfair Insurance Practices; Education Level; Occupation.  Amend RSA 417:4 by inserting after paragraph XXIII the following new paragraph:

XXIV.  EDUCATION LEVEL; OCCUPATION.  Requesting education level or occupation, and using such information to rate or underwrite casualty insurance.

3  Effective Date.  This act shall take effect January 1, 2019.

Links

HB1360 at GenCourtMobile

Action Dates

Date Body Type
Jan. 23, 2018 House Hearing
Jan. 31, 2018 House Exec Session
House Floor Vote
Feb. 22, 2018 House Floor Vote

Bill Text Revisions

HB1360 Revision: 2138 Date: Nov. 6, 2017, 3:26 p.m.

Docket

Date Status
Jan. 3, 2018 Introduced 01/03/2018 and referred to Commerce and Consumer Affairs HJ 1 P. 8
Jan. 23, 2018 Public Hearing: 01/23/2018 10:45 AM LOB 302
Jan. 31, 2018 Subcommittee Work Session: 01/31/2018 09:00 AM LOB 302
Jan. 31, 2018 Executive Session: 01/31/2018 LOB 302
Feb. 22, 2018 Committee Report: Inexpedient to Legislate for 02/22/2018 (Vote 13-7; RC) HC 7 P. 14
Committee Report: Inexpedient to Legislate (Vote 13-7; RC)
Feb. 22, 2018 Inexpedient to Legislate: MA VV 02/22/2018 HJ 5 P. 16