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10/31/2020 01:15 PM
Pennsylvania House of Representatives
https://www.legis.state.pa.us/cfdocs/Legis/CSM/showMemoPublic.cfm?chamber=H&SPick=20190&cosponId=27565
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House of Representatives
Session of 2019 - 2020 Regular Session

MEMORANDUM

Posted: January 9, 2019 01:08 PM
From: Representative Anthony M. DeLuca
To: All House members
Subject: Eliminate Unfair Discrimination in Auto Insurance
 
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?

Most of us would agree that it is not fair to be graded lower for auto insurance based on educational status or occupation. Drivers who have an exemplary driving history should be scored just as high as someone with a degree.

The new law will make it a violation of the Unfair Insurance Practice Act to consider an individual’s education level or occupation when underwriting or rating auto insurance coverage.

As it stands, regardless of whether a driver has a clean driving record, he or she may be denied coverage or given a different rate 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.

Last session this was HB 341.

Please join me in this important bill to maintain fairness in the auto insurance underwriting process.



Introduced as HB598