HF 2938

as introduced - 88th Legislature (2013 - 2014) Posted on 03/10/2014 01:22pm

A bill for an act
relating to commerce; prohibiting an insurer from imposing a surcharge on
homeowners insurance for a consumer inquiry; proposing coding for new law
in Minnesota Statutes, chapter 65A.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

new text begin [65A.285] SURCHARGE PROHIBITION.
new text end

new text begin Subdivision 1. new text end

new text begin Surcharge prohibition. new text end

new text begin An insurer may not impose a surcharge on
homeowners insurance as a result of a consumer inquiry.
new text end

new text begin Subd. 2. new text end

new text begin Definitions. new text end

new text begin For purposes of this section:
new text end

new text begin (1) "consumer inquiry" means a telephone call or other communication made to an
insurer that does not result in a paid claim and that is in regard to the general terms or
conditions of or coverage offered under an insurance policy. The term includes a question
concerning the process for filing a claim and whether a policy will cover a loss; and
new text end

new text begin (2) "surcharge" means an increase in premium for a policy, including the removal
of a claim-free discount.
new text end