Bill > S790

This bill aims to eliminate geographic discrimination in auto insurance pricing by modifying several sections of Massachusetts state law. The legislation would prohibit insurance companies from refusing to issue, renew, or execute motor vehicle insurance policies based on zip code, principal place of garaging, or geographical area, effectively preventing insurers from using location as a factor in determining insurance coverage or rates. The bill requires the insurance commissioner to refrain from establishing motor vehicle insurance rates, premium charges, or risk classifications that are based, even partially, on zip code, garaging location, or geographical area. Additionally, the bill modifies provisions related to the Massachusetts automobile insurance plan (commonly known as the MAIP) to remove territorial references and adjust classification credits to ensure no specific classification is disproportionately represented in the insurance plan. By removing these geographic considerations, the bill seeks to create more equitable auto insurance pricing and access across different communities and regions in Massachusetts, potentially reducing disparities that may have historically disadvantaged certain neighborhoods or areas.

Business and Industry

https://malegislature.gov/Bills/194/S790