as introduced - 88th Legislature (2013 - 2014) Posted on 03/06/2014 04:18pm
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:
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An insurer may not impose a surcharge on
homeowners insurance as a result of a consumer inquiry.
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For purposes of this section:
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(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
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(2) "surcharge" means an increase in premium for a policy, including the removal
of a claim-free discount.
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