R590-128-4. Failure to Maintain Prior Owner's or Operator's Security

(1) If an applicant fails to maintain prior owner's or operator's security, an insurer may: (a) refuse to insure or refuse to continue to insure; (b) limit the amount, extent, or kinds of coverage available; (c) surcharge the applicant; or (d) designate an applicant as a non-standard, sub-standard, or otherwise worse than average risk to place an applicant in a specific insurer or rating tier. (2) An insurer shall demonstrate with objective evidence, which may include an applicant's statement, that an applicant failed to maintain prior owner's or operator's security.