Premium Increases Prohibited for Certain Claims or Inquiries

THE GREAT SEAL OF THE STATE OF UTAH 1896 State of Utah GARY R. HERBERT Governor SPENCER J. COX Lieutenant Governor Insurance Department TODD E. KISER Insurance Commissioner # BULLETIN 2018-4 TO: All Property and Casualty Insurers FROM: Todd E. Kiser, Utah Insurance Commissioner DATE: August 14, 2018 SUBJECT: Premium increases prohibited for certain claims or inquiries. This bulletin reminds insurers who write private passenger automobile insurance that it is a violation of Utah Code §31A-19a-212(1)(b) to use not-at-fault incidents when rating a policy. The Department has recently received a number of complaints involving premium increases and/or the removal of discounts as a result of not-at-fault incidents. The Department considers the removal of a discount or refusal to give a discount due to a not-at-fault incident to be a premium increase. Not-at-fault incidents include but are not limited to comprehensive, glass, vandalism, and theft claims. The Department intends to enforce the law against insurers who use not-at-fault incidents when rating a policy. Questions or comments can be addressed to the Property and Casualty Division at 801-538-3035 or prop-cas.uid@utah.gov. DATED this 14th day of August 2018. Todd E. Kiser Insurance Commissioner State Office Building Suite 3110, Salt Lake City, UT 84114-6901 • (801) 538-3800 • Facsimile (801) 538-3829 • www.insurance.utah.gov