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A BILL TO BE ENTITLED
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AN ACT
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relating to use of certain factors in underwriting and rating a |
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personal automobile insurance policy. |
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BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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SECTION 1. Chapter 1951, Insurance Code, is amended by |
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adding Section 1951.005 to read as follows: |
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Sec. 1951.005. CERTAIN FACTORS IN UNDERWRITING AND RATING |
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PROHIBITED. An insurer may not use the occupation or educational |
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level of a person insured under a personal automobile insurance |
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policy, or an applicant for coverage under a personal automobile |
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insurance policy, as a factor in underwriting or rating that |
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coverage. |
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SECTION 2. Section 38.002, Insurance Code, is amended by |
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adding Subsection (g) to read as follows: |
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(g) An underwriting guideline used by an insurer or its |
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agent in relation to a personal automobile insurance policy must |
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comply with Section 1951.005. |
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SECTION 3. Section 2251.052, Insurance Code, is amended by |
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adding Subsection (f) to read as follows: |
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(f) Rates and rating applicable to a personal automobile |
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insurance policy must comply with Section 1951.005. |
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SECTION 4. This Act applies only to an insurance policy that |
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is delivered, issued for delivery, or renewed on or after January 1, |
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2010. A policy that is delivered, issued for delivery, or renewed |
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before January 1, 2010, is governed by the law as it existed |
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immediately before the effective date of this Act, and that law is |
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continued in effect for this purpose. |
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SECTION 5. This Act takes effect September 1, 2009. |