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Preserve our Consumer Protections

House Bill 1023, An Act Reforming Private Passenger Automobile Insurance in the Commonwealth, will lead to a slew of anti-consumer pricing practices that have been outlawed here for decades.

Under the guise of “reform” the proposal will lead to higher rates, discriminatory underwriting and pricing practices, and while making important steps towards cost containment and fraud prevention, and could do more to address the root cause of our high premiums – our high accident rate.

Letter	Dear Representative and Senator, Please do not support HB 1023, An Act Reforming Private Passenger Automobile Insurance in the Commonwealth, as it will allow insurers to use a host of pricing and underwriting practices that are currently prohibited. HB 1023 would allow insurance companies to charge auto rates based on criteria such as homeownership, marital status, age, sex, education, employment, amount of insurance purchased, and other rating criteria that are currently used in other states but are not factors under our current rating system. While companies cannot refuse to provide insurance based on factors such as age, sex or marital status, these factors will be used in setting rates. Therefore, many drivers with perfect driving records would end up paying higher premiums due to the application of these other rating factors. Sincerely,
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