SB 184 – Prohibiting Use of Certain Prior Arrests, Charges and Convictions for Insurance Purposes

The Senate passed Senate Bill 184 last week by a vote of 19-1-1. This bill would prohibit an insurer’s consideration of an insured’s or proposed insured’s

• non-pending arrests, charges and indictments that do not result in conviction,
• convictions unrelated to fraud or the risk being insured, or
• driver’s license suspensions or revocations for non-driving related reasons.

Research has shown that certain underwriting factors used by insurers, while facially neutral, may have a disparate impact on protected classes. This bill seeks to address this disparate impact by prohibiting certain underwriting and rating factors, despite being correlative with loss, in homeowner’s and private passenger motor vehicle insurance policies.

SENATE BILL 184 – PROHIBITING USE OF CERTAIN PRIOR ARRESTS, CHARGES AND CONVICTIONS UNRELATED TO FRAUD OR RISK FOR INSURANCE PURPOSES	Currrent Status – Senate Passed 19-1-1. Out of Committee 6/27/23
House Sponsors – Bush, Baumbach, Lambert, Morrison	Senate Sponsors – Gay, Hoffner, Townsend, Walsh
House Yes Votes –	Senate Yes Votes – Gay Hansen Hoffner Huxtable Lockman Mantzavinos McBride Paradee Pinkney Poore Sokola Sturgeon Townsend Walsh // Hocker Lawson Pettyjohn Richardon Wilson
House No Votes –	Senate No Votes – Buckson
House Absents or Not Voting –	Senate Absent or Not Voting – Brown