Bill > S511

This bill amends Section 113B of Chapter 175 of the General Laws, which pertains to comprehensive insurance claims, by removing specific language that previously limited the ability of insurance companies to use certain claim histories when setting rates or making decisions. Specifically, the bill eliminates provisions that allowed insurers to consider four or more comprehensive claims totaling $2,000 or more, unless the insured did not purchase fire, theft, comprehensive, and collision coverages, and also removes the exclusion for claims caused by acts of God from this consideration. In essence, the bill makes it harder for insurance companies to penalize policyholders based on a history of multiple comprehensive claims, regardless of the total cost or the cause of the damage, unless specific types of coverage were not purchased.