An Act To Prohibit Charging Maine Seniors Higher Automobile Insurance Premiums Based Solely on Their Age
Be it enacted by the People of the State of Maine as follows:
Sec. 1. 24-A MRSA §2902-C, as enacted by PL 1991, c. 106, is repealed.
Sec. 2. 24-A MRSA §2902-H is enacted to read:
§ 2902-H. Actions based on age of applicant or insured prohibited
1. Prohibited actions based on age. An insurer may not do any of the following solely because an applicant or insured is a certain age or has reached a certain age:
A. Refuse to issue a motor vehicle insurance policy;
B. Impose a surcharge on or otherwise increase the rate for a motor vehicle insurance policy;
C. Cancel or refuse to renew a motor vehicle insurance policy; or
D. Limit coverage under a motor vehicle insurance policy.
2. Other factors. This section does not prohibit an insurer from refusing to issue, imposing a surcharge on or otherwise raising the rate for, cancelling or refusing to renew or limiting coverage under a motor vehicle insurance policy based upon factors other than the age of an applicant or insured.
Sec. 3. 24-A MRSA §2916, as enacted by PL 1973, c. 339, §1, is repealed.
summary
This bill repeals 2 provisions in current law related to the issuance of motor vehicle insurance and consideration of an insured's age by the insurer and incorporates them into one provision.
This bill prohibits an insurer from taking certain actions against an applicant or insured under a motor vehicle insurance policy based solely upon the age of the applicant or insured.