MAIA Legislative Agenda 2019-2020 Legislative Session SB641 (SD919) - An Act relative to fair and accurate motor vehicle insurance quotes Sponsor Sen. Michael J. Rodrigues (D) Cosponsors Sen. Ryan Fattman (R), Sen. Michael O. Moore (D), Sen. Diana DiZoglio (D), Rep. Jennifer E. Benson (D), Rep. Angelo J. Puppolo, Jr. (D), Rep. Carole Fiola (D), Rep. Steven S. Howitt (R), Rep. Paul A. Schmid (D), Rep. Thomas M. Stanley (D), Rep. David Robertson (D), Rep. Lindsay Sabadosa (D), Rep. Jim Hawkins (D), Rep. Lori Ehrlich (D), Rep. David T. Vieira (R), Rep. Michael Soter (R), Rep. Norman Orrall (R), Rep. David LeBoeuf (D), Sen. Patrick O'Connor (R), Rep. Bradley H. Jones, Jr. (R), Sen. Anne Gobi (D), Rep. Paul K. Frost (R), Rep. William Crocker (R), Rep. Mathew Muratore (R) Summary Amends GL 175 (Insurance) to prohibit an insurer who utilizes an applicant’s driving history as a rating or underwriting factor for private passenger motor vehicle insurance in the Commonwealth from providing a quote to an applicant, or accept a down payment for a policy, without first verifying said applicant’s Massachusetts driving history through the use of a reliable third party database. Compromise language: An insurer that utilizes an applicant’s Massachusetts driving history as a rating or underwriting factor for private passenger motor vehicle insurance in the Commonwealth, a licensed insurance producer, or third party representative shall verify the applicant’s Massachusetts driving history through the use of the Massachusetts Registry of Motor Vehicles database or a reliable third party database prior to processing payment or issuing a policy, unless said driving history is unavailable at the time of initial inquiry due to a temporary website outage, service interruption, or other circumstance beyond the control of the insurer, producer, or third party representative. This Section shall apply to all policies issued on or after January 1, 2020. When providing a private passenger automobile insurance quote, an insurer, licensed insurance producer or third party representative shall provide a disclosure regarding the verification of an applicant’s Massachusetts driving history. Last Action 09/13/2019 H - Hearing Scheduled 09/26/2019 1:00 PM - Public Hearing, A-1 1 HB973 (HD1011) - An Act relative to fair and accurate motor vehicle insurance quotes Sponsor Rep. Michael J. Finn (D) Cosponsors Rep. Jim Hawkins (D), Rep. Brian Murray (D), Rep. James Arciero (D), Rep. Paul W. Mark (D), Rep. Lori Ehrlich (D), Rep. Tram Nguyen (D), Rep. Tackey Chan (D), Rep. William C. Galvin (D), Rep. Steven Ultrino (D), Rep. Jack Patrick Lewis (D), Rep. David T. Vieira (R), Sen. James T. Welch (D), Sen. Ryan Fattman (R), Rep. Joseph F. Wagner (D), Rep. William Smitty Pignatelli (D), Rep. David Paul Linsky (D), Rep. Todd M. Smola (R), Sen. Michael O. Moore (D), Rep. Paul McMurtry (D), Rep. David DeCoste (R), Rep. Natalie Higgins (D), Sen. Diana DiZoglio (D), Rep. Carlos Gonzalez (D), Rep. Thomas M. Stanley (D), Rep. Bud Williams (D), Rep. David Robertson (D), Rep. Jennifer E. Benson (D), Rep. Kimberly Ferguson (R), Rep. F. Jay Barrows (R), Rep. Angelo J. Puppolo, Jr. (D), Rep. Carole Fiola (D), Rep. Steven S. Howitt (R), Rep. Susan Williams Gifford (R), Rep. Jose Tosado (D), Rep. Aaron Vega (D), Rep. Tami Gouveia (D), Rep. Michael Soter (R), Rep. David M. Rogers (D), Rep. Carolyn C. Dykema (D), Rep. Josh S. Cutler (D), Rep. Brian M. Ashe (D), Rep. Norman Orrall (R), Rep. David LeBoeuf (D), Sen. Patrick O'Connor (R), Rep. Bradley H. Jones, Jr. (R), Rep. Elizabeth A. Poirier (R), Rep. Daniel Cullinane (D), Rep. Timothy Whelan (R), Rep. Denise C. Garlick (D), Rep. Adrian Madaro (D), Rep. Kate Hogan (D), Rep. John J. Mahoney (D), Rep. Paul K. Frost (R), Rep. Angelo L. D'Emilia (R), Rep. Gerard Cassidy (D), Rep. Donald Berthiaume Jr. (R), Rep. Andres Vargas (D), Rep. Patrick Kearney (D), Rep. Mathew Muratore (R) Summary Adds a new Section 4F to GL Chapter 175, which requires insurers who use driving records to determine motor vehicle insurance premiums from providing quotes or accepting down payments without first verifying an applicant's driving record through the use of a third-party database. Compromise language: An insurer that utilizes an applicant’s Massachusetts driving history as a rating or underwriting factor for private passenger motor vehicle insurance in the Commonwealth, a licensed insurance producer, or third party representative shall verify the applicant’s Massachusetts driving history through the use of the Massachusetts Registry of Motor Vehicles database or a reliable third party database prior to processing payment or issuing a policy, unless said driving history is unavailable at the time of initial inquiry due to a temporary website outage, service interruption, or other circumstance beyond the control of the insurer, producer, or third party representative. This Section shall apply to all policies issued on or after January 1, 2020. When providing a private passenger automobile insurance quote, an insurer, licensed insurance producer or third-party representative shall provide a disclosure regarding the verification of an applicant’s Massachusetts driving history. Last Action 09/13/2019 H - Hearing Scheduled 09/26/2019 1:00 PM - Public Hearing, A-1 2 SB580 (SD865) - An Act relative to commonwealth automobile reinsurers Sponsor Sen. James B. Eldridge (D) Summary Amends GL 175:113H (Assigned Risk Plans) by eliminating the requirement that two of the members of the plans' Governing Committee be assigned risk producers who write private passenger automobile insurance exclusively through the Massachusetts Automobile Assigned Risk Plan. Last Action 11/25/2019 S - Reported favorably by Joint Committee on Financial Services 11/25/2019 S - Referred to Senate Committee on Rules HB1059 (HD2089) - An Act relative to Commonwealth automobile reinsurers Sponsor Rep. Aaron M. Michlewitz (D) Summary Amends GL 175:113H (motor vehicle insurance: assigned risk plans) by repealing language requiring the inclusion of 2 individuals who are assigned risk producers who write private passenger automobile insurance exclusively through the Massachusetts automobile assigned risk plan on the plan’s governing committee. Last Action 01/14/2020 H - House Session 01/15/2020 11:00 AM - Full Formal Session, House Chamber SB638 (SD701) - An Act relative to the compulsory automobile insurance limits 3 Sponsor Sen. Michael J. Rodrigues (D Cosponsors Rep. Carole Fiola (D), Rep. Paul A. Schmid (D) Summary Amends GL 90:34A relative to compulsory automobile insurance limits, by raising the compulsory amount for injury or death to one person from $20,000 to $50,000, and the limit for any one accident from $40,000 to $100,000. In addition, raises the compulsory amount for property damage liability insurance to someone else' property from $5,000 to $30,000. Last Action 10/11/2019 H - Hearing Scheduled 10/23/2019 1:00 PM - Public Hearing, B-1 HB1118 (HD2846) - An Act to increase the minimum compulsory automobile insurance Sponsor Rep. Jose Tosado (D) Cosponsors Rep. Liz Miranda (D), Rep. Russell E. Holmes (D), Rep. Donald Berthiaume Jr. (R), Rep. Timothy Whelan (R), Rep. Bud Williams (D), Rep. Carlos Gonzalez (D) Summary Amends GL 90:34A to increase the size of motor vehicle liability insurance policies from $20,000 to $50,000 for an individual death and from $40,000 to $100,000 for multiple deaths; amends GL 90:34O to increase the size of accompanying property damage liability insurance policies from a minimum cap of $5,000 to a minimum cap of $30,000. Last Action 10/11/2019 H - Hearing Scheduled 10/23/2019 1:00 PM - Public Hearing, B-1 4 SB623 (SD16) - An Act relative to special insurance brokers Sponsor Sen. Michael O. Moore (D) Summary Amends provisions of GL 175:168 relative to special brokers by providing that, for any policy renewal originally procured by a special broker, no affidavit will be required on any policy for which an affidavit had previously been completed; however, the special insurance broker must confirm that the insurer is on the Division of Insurance's list of approved surplus lines insurance companies. Last Action 07/11/2019 H - Hearing Scheduled 07/23/2019 10:30 AM - Public Hearing, B-2 HB974 (HD1047) - An Act relative to special insurance brokers Sponsor Rep. Michael J. Finn (D) Summary Amends GL 175:168 relative to special brokers by providing that, for any policy renewal originally procured by a special broker, no affidavit will be required on any policy for which an affidavit had previously been completed; however, the special insurance broker must confirm that the insurer is on the Division of Insurance's list of approved surplus lines insurance companies. Last Action 07/11/2019 H - Hearing Scheduled 07/23/2019 10:30 AM - Public Hearing, B-2 SB626 (SD457) - An Act relative to group market plans for automobile and homeowners insurance 5 Sponsor Sen. Michael O. Moore (D) Summary Amends provisions of GL 175:193R relative to group marketing plans for automobile and homeowner insurance. As written the statute provides, inter alia, that an insurer may not cancel the insurance of an individual member of a group except for nonpayment of premium, fraud or unless the insurance for the entire group is canceled, but that the insurer may cancel for loss of registration or operator’s license; as amended, the statute would also provide that an insurer may not cancel the motor vehicle insurance of an individual member based upon the underwriting standards for non-group members.