Insurance; motor vehicle policies; traffic record; rates; cancellation; renewal; first claim; hearing; effective date.

Summary

The bill bars auto insurers from basing premium increases, cancellations, refusals to issue or renew policies on traffic records that are more than three years old, except for certain serious offenses that can be considered up to five years. It also prevents insurers from penalizing drivers who were acquitted, had charges dropped, or filed a first claim within 45 days, unless there is nonpayment, fraud, or other listed reasons. The Insurance Commissioner may suspend, revoke, censure, or fine carriers that violate these rules.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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