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OR HB3423
Bill
Status
6/27/2025
Primary Sponsor
Zach Hudson
Click for details
AI Summary
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Prohibits auto insurers from using credit history, credit-based insurance scores, sex/gender, or marital status when determining eligibility, premiums, or rates for motor vehicle liability insurance policies
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Applies to individual Oregon residents' auto policies covering liability, uninsured motorist, medical payments, and physical damage coverage
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Requires insurers to provide a letter of experience upon an insured's request
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Amends existing law to exclude motor vehicle liability insurance from the personal insurance categories where credit history may still be used in underwriting decisions
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Takes effect on the 91st day after the 2025 legislative session adjourns, with substantive provisions becoming operative January 1, 2026
Legislative Description
Relating to information permitted for insurer's decisions concerning motor vehicle liability insurance; prescribing an effective date.
Last Action
In committee upon adjournment.
6/27/2025