Rules and Regulations of the State of Georgia
 

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<xmp>.</xmp> <form name="form1" method="post" action="120-2-65?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-65" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQIMFgJmD2QWAgIFDw8WAh4EVGV4dAUFOCArIDRkZGQzc1RYcenZKbXS/n8E3tlZihhOfg==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCALTtcPVCwLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MyW+wlcoYlWu8HeMuNNd5FbY+O2o=" /> <div class='popup'> <div class='cnt223'> <div style="margin-bottom:6px;"> <img alt="Rules and Regulations of the State of Georgia" src="/images/new.gif"/> </div> <div class="header"> Terms and Conditions of Agreement for Access to Rules and Regulations of the State of Georgia Website </div> <div class="scroll"> <p>(Note: certain features of this site have been disabled for the general public to prevent digital piracy. If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree that you will not copy, print, or download anything from this website for any commercial use. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website.</p> <p> You agree that you will not sell, will not license, and will not otherwise make available in exchange for anything of value, anything that you download, print, or copy from this site.</p> <p> You agree that you will not copy, print, or download any portion of the regulations posted on this site exceeding a single chapter of regulations for sale, license, or other transfer to a third party, except that you may quote a reasonable portion of the regulations in the course of rendering professional advice.</p> <p> If you violate this agreement, or if you access or use this website in violation of this agreement, you agree that Lawriter will suffer damages of at least $20,000. </p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website. </p> <p> You agree that you will not sell or license anything that you download, print, or copy from this website.</p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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charset=UTF-16"> </HEAD> <div id="infobar"><a href="javascript:;" accesskey="r" Name="Route" title="Route" class="quickkey"><em class="mnemonic">R</em>oute </a>:<div class="searchtips" style="float:right;margin-right:10px;color: rgb(47, 79, 79);"> <a style="text-decoration:none;color: rgb(47, 79, 79);" title="search tips" name="searchtip" href="../help.aspx#searching" target="_blank"><em class="mnemonic">S</em>earch tips</a></div><ul class="breadcrumb"> <li><a href="/GAC" name="GAC" title="GAC">GA R&amp;R</a></li> <li>&raquo; <a href="/GAC/120" title="120">Department 120</a></li> <li>&raquo; <a href="/GAC/120-2" title="120-2">Chapter 120-2</a></li> <li>&raquo; Subject 120-2-65</li> </ul> </div> </div><div id="doc" class="container"> <div id="doc-content" class="content"> <h1><nllsubject>Subject 120-2-65 PROHIBITED CRITERIA FOR PRIVATE PASSENGER AUTOMOBILE UNDERWRITING GUIDELINES</nllsubject></h1> <h2><a href="/GAC/120-2-65-.01" name="120-2-65-.01" title="120-2-65-.01">Rule 120-2-65-.01 Intent and Purpose</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.01(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The intent of this Regulation Chapter is to prohibit insurers from engaging in unfair discrimination due to the fictitious grouping of risks based on criteria which are not actuarially supported and shown to be relevant to risk. As such, it is the purpose of this Regulation Chapter that no insurer shall condition the issuance, renewal or other continuation of a private passenger automobile insurance policy by placing a risk in a fictitious group based on characteristics enumerated herein.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.01(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Nothing containing herein is intended to invalidate actuarially sound rating variables not in conflict with any portion of O.C.G.A. Title 33.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.01(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Nothing contained herein is intended to limit or diminish the scope of prohibited underwriting practices found elsewhere in the Georgia Insurance Code or the Rules and Regulations of the Georgia Insurance Department.</td> </tr> </table> <h2><a href="/GAC/120-2-65-.02" name="120-2-65-.02" title="120-2-65-.02">Rule 120-2-65-.02 Definitions</a></h2> <P>For the purpose of this Regulation Chapter, the following definitions shall apply:</P> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.02(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Commissioner" shall mean the Commissioner of Insurance of the State of Georgia.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.02(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Policy" or "policies" shall mean any private passenger automobile policy as defined in O.C.G.A. § <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-24-45&amp;title=33#33-24-45(b)(1)" target="_newtab">33-24-45(b)(1)</a>.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.02(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Underwriting guidelines" shall mean the written, oral or electronic statements, guidelines, or criteria of an insurer which describe the standards used by an insurer to determine whether to issue a policy, decline to issue a policy, non-renew a policy, discontinue or cancel a policy, or restrict coverages provided by a policy of automobile insurance to persons within this State.</td> </tr> </table> <h2><a href="/GAC/120-2-65-.03" name="120-2-65-.03" title="120-2-65-.03">Rule 120-2-65-.03 Prohibited Practices</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> No insurer, broker or agent shall use underwriting criteria or guidelines to determine an applicant's or insured's acceptability for policy issuance or continuation of coverage which result in the fictitious grouping of risks and result in unfair discrimination.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An insurer, broker or agent engages in the grouping of risks when a determination is made concerning an applicant's or insured's acceptability for policy issuance or continuation thereof based upon, but not limited to, any of the following: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Marital status of the applicant, insured or anyone residing in the applicant's or insured's household;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The applicant's or insured's length of time at an address;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Employment status or lawful occupation of the applicant or insured, including the length of time employed with present employer, unless vehicle is used in the course of business;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Credit reports of an applicant or insured or other credit history by whatever manner obtained;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Number of vehicles to be insured;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Status of the applicant or insured as a tenant or homeowner;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Level of education of the applicant or insured;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Lack of, lack of potential for or failure of applicant or insured to agree to a writing of additional business, which includes but is not limited to any additional coverages or increased liability limits on an automobile which are not compulsory according to O.C.G.A. § <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=40-9-37&amp;title=40#" target="_newtab">40-9-37</a>;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> That the applicant or insured has never purchased or been covered by a private passenger automobile policy during any specified period preceding the date of application when the need for coverage did not exist, or that the applicant or insured has previously been covered by a non-standard or residual market issurer; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(2)(j)">(j)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The individual's status as a member of the United States Armed Forces, the Reserves of the United States Armed Forces or the National Guard. Nothing herein shall prohibit the use and enforcement of a war exclusion clause if included in the policy at time of issuance.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any grouping specified in the foregoing subparagraph (2) is fictitious and results in unfair discrimination if: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> it is: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)(a)1.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> not actuarially supported;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)(a)2.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> not relevant to risk; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)(a)3.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> not based on a reasonable consideration allowed under O.C.G.A. § <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-9-4&amp;title=33#33-9-4(7)" target="_newtab">33-9-4(7)</a>; or</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-65-.03(3)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> it is based in whole or in part, directly or indirectly, upon race, creed or ethnic extraction.</td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-65-.04" name="120-2-65-.04" title="120-2-65-.04">Rule 120-2-65-.04 Distribution to Agent Requirement</a></h2> <P>Each insurer shall provide a complete copy of all available underwriting guidelines and any subsequent revisions to its agents and any authorized representatives. Each insurer shall also provide a copy of this Regulation Chapter to its agents and any authorized representatives.</P> <h2><a href="/GAC/120-2-65-.05" name="120-2-65-.05" title="120-2-65-.05">Rule 120-2-65-.05 Reporting Upon Written Notice</a></h2> <P>Upon the request by the Commissioner of Insurance or his or her designated representative, each insurer shall provide the Georgia Insurance Department with a true and correct copy of its underwriting guidelines within twenty (20) days of the date requested.</P> <h2><a href="/GAC/120-2-65-.06" name="120-2-65-.06" title="120-2-65-.06">Rule 120-2-65-.06 Penalties</a></h2> <P>Any insurer, representative, officer or employee of such insurer, failing to comply with the requirements of this Regulation Chapter shall be subject to such penalties and other enforcement action as may be appropriate under the insurance laws of this State.</P> <h2><a href="/GAC/120-2-65-.07" name="120-2-65-.07" title="120-2-65-.07">Rule 120-2-65-.07 Severability</a></h2> <P>If any provision of this Regulation Chapter or the application thereof to any person or circumstance is for any reason held to be invalid by a court of competent jurisdiction, the remainder of this Regulation Chapter or the applicability of such provision to other persons or circumstances shall not be affected.</P> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-65-.01" name="120-2-65-.01" title="120-2-65-.01">Rule 120-2-65-.01 Intent and Purpose</a></li><li><a href="/GAC/120-2-65-.02" name="120-2-65-.02" title="120-2-65-.02">Rule 120-2-65-.02 Definitions</a></li><li><a href="/GAC/120-2-65-.03" name="120-2-65-.03" title="120-2-65-.03">Rule 120-2-65-.03 Prohibited Practices</a></li><li><a href="/GAC/120-2-65-.04" name="120-2-65-.04" title="120-2-65-.04">Rule 120-2-65-.04 Distribution to Agent Requirement</a></li><li><a href="/GAC/120-2-65-.05" name="120-2-65-.05" title="120-2-65-.05">Rule 120-2-65-.05 Reporting Upon Written Notice</a></li><li><a href="/GAC/120-2-65-.06" name="120-2-65-.06" title="120-2-65-.06">Rule 120-2-65-.06 Penalties</a></li><li><a href="/GAC/120-2-65-.07" name="120-2-65-.07" title="120-2-65-.07">Rule 120-2-65-.07 Severability</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" onclick="if(navigator.userAgent.toLowerCase().indexOf('opera') != -1 && window.event.preventDefault)window.event.preventDefault();this.newWindow = window.open('http://livechat.casemakerlegal.com/client.php?locale=en&url='+escape(document.location.href)+'&referrer='+escape(document.referrer), 'webim','toolbar=0,scrollbars=0,location=0,status=1,menubar=0,width=640,height=480,resizable=1');this.newWindow.focus();this.newWindow.opener=window;return false;">Live Chat</a> </div> </div> </body> </html>