Bill > H3245

This bill aims to change how automobile insurance rates are determined by prohibiting insurance companies from using the specific city or town where an accident or a "surchargeable incident" (an incident that can lead to an increase in insurance premiums, like a traffic violation) occurs, or the general rate of such incidents in that location, as a basis for setting insurance rates, premium charges, adjustments, or risk classifications for private passenger vehicles. However, it allows insurance companies to consider the city or town where drivers involved in these incidents permanently reside when setting these rates. This change applies to existing laws governing insurance rates and risk classifications.