Bill Text: TX HB1285 | 2013-2014 | 83rd Legislature | Introduced
Bill Title: Relating to insurance rating and underwriting practices based on certain consumer inquiries.
Spectrum: Partisan Bill (Democrat 1-0)
Status: (Introduced - Dead) 2013-04-23 - No action taken in committee [HB1285 Detail]
Download: Texas-2013-HB1285-Introduced.html
83R7677 PMO-D | ||
By: Johnson | H.B. No. 1285 |
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relating to insurance rating and underwriting practices based on | ||
certain consumer inquiries. | ||
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: | ||
SECTION 1. Chapter 544, Insurance Code, is amended by | ||
adding Subchapter L to read as follows: | ||
SUBCHAPTER L. CONSUMER INQUIRY | ||
Sec. 544.551. DEFINITION. In this subchapter, "consumer | ||
inquiry" has the meaning assigned by Section 551.113. | ||
Sec. 544.552. APPLICABILITY. This subchapter applies only | ||
to a standard fire, homeowners, or farm and ranch owners insurance | ||
policy. | ||
Sec. 544.553. PROHIBITION OF UNDERWRITING AND RATING | ||
DECISIONS BASED ON CONSUMER INQUIRY. An insurer may not: | ||
(1) use an underwriting guideline based on whether a | ||
consumer inquiry has been made by or on behalf of the applicant or | ||
insured; or | ||
(2) charge a rate that is different from the rate | ||
charged to other individuals for the same coverage based on whether | ||
a consumer inquiry has been made by or on behalf of the applicant or | ||
insured. | ||
SECTION 2. This Act applies only to an insurance policy that | ||
is delivered, issued for delivery, or renewed on or after the | ||
effective date of this Act. A policy delivered, issued for | ||
delivery, or renewed before the effective date of this Act is | ||
governed by the law as it existed immediately before the effective | ||
date of this Act, and that law is continued in effect for that | ||
purpose. | ||
SECTION 3. This Act takes effect September 1, 2013. |