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House of Representatives
Session of 2017 - 2018 Regular Session


Posted: January 4, 2017 09:58 AM
From: Representative Anthony M. DeLuca
To: All House members
Subject: Unfair Discrimination in Auto Insurance (HB749 of 2015)
I will be re-introducing House Bill 749 of 2015. This legislation will make it an Unfair Insurance Practice Act violation to consider an individual’s education level or occupation when underwriting or rating for auto insurance coverage.

It has come to my attention that some auto insurance companies are using education level or occupation, or both, as an underwriting tool with applicants. In other words, regardless of whether a driver has a clean driving record, he or she may be denied coverage or given a different rate simply because he or she has not had the opportunity to attain a four year college degree, or holds a specific occupation.

Unlike other risk-related factors, a socio-economic factor such as education level or occupation should not be used to dictate whether an insurer should accept a risk, or how the insurer will rate the risk. Why should a Pennsylvanian with a life-long clean driving record have to pay hundreds of dollars more for auto insurance simply because he or she did not attend college or have a specific type of job?

I hope you will join me in co-sponsoring this important bill. Thank you.

Introduced as HB341