HF 4261 Summary

• Applicants who attest they lack a physical address cannot be required to provide one to obtain coverage through the Minnesota Automobile Insurance Plan, effective August 1, 2020.

• Automobile insurers are prohibited from using lack of physical address as an underwriting standard, denying coverage based on lack of physical address, or discriminating in rates and premiums based on applicant's lack of physical address.

• Insurers are prohibited from using employment status as a residential tenant as an underwriting standard or denying coverage for this reason.

• Insurers cannot use an applicant's prior claims history as an underwriting standard if the applicant was 50 percent or less negligent in the accident causing the claim.

• Prohibition on using failure to maintain prior automobile insurance as an underwriting standard does not apply if the applicant was legally required to maintain coverage and failed to do so; insurers may require reasonable proof of prior coverage maintenance.