HOME    SEARCH    ABOUT US    CONTACT US    HELP   
           
Rule: 6.6.2102 Prev     Up     Next    
Rule Title: RATES AND PREMIUMS; PROPERTY AND CASUALTY INSURANCE
Add to My Favorites
Add to Favorites
Department: STATE AUDITOR
Chapter: INSURANCE DEPARTMENT
Subchapter: Discrimination in Insurance
 
Latest version of the adopted rule presented in Administrative Rules of Montana (ARM):

Printer Friendly Version

6.6.2102    RATES AND PREMIUMS; PROPERTY AND CASUALTY INSURANCE

(1) Factors which an insurer may take into account to determine rates or premiums for motor vehicle liability and property coverage include, but are not limited to:

(a) the age of the driver;

(b) the sex of the driver;

(c) the marital status of the driver;

(d) the length of driving experience;

(e) the number of years licensed to operate a motor vehicle;

(f) a determination of which driver, among several insured individuals, is the primary driver of a covered vehicle, based upon the proportionate use of each vehicle insured under the policy by individual drivers insured or to be insured under the policy;

(g) average number of miles driven over a period of time;

(h) type of use, such as business, farm, or pleasure use;

(i) vehicle characteristics, features, and options such as engine displacement, ability of vehicle and its equipment to protect passengers from injury, vehicle make and model, and design characteristics related to damageability of the vehicle;

(j) commuting mileage over a period of time;

(k) the number of cars insured or number of licensed operators in the household;

(l) the amount of insurance;

(m) the anticipated cost of vehicle repairs or replacement, which may be measured by age, price, cost, or value of the insured automobile, and other related factors;

(n) geographic location;

(o) the accident record of the insured, including accidents for which the insured, although not cited, was substantially at fault; and

(p) the driving record of the insured, including citations.

 

History: 33-1-313, MCA; IMP; 33-1-502, 49-2-309, MCA; NEW, 1986 MAR p. 194, Eff. 2/14/86; AMD, 2009 MAR p. 83, Eff. 1/30/09; AMD, 2022 MAR p. 43, Eff. 1/15/22.


 

 
MAR Notices Effective From Effective To History Notes
6-266 1/15/2022 Current History: 33-1-313, MCA; IMP; 33-1-502, 49-2-309, MCA; NEW, 1986 MAR p. 194, Eff. 2/14/86; AMD, 2009 MAR p. 83, Eff. 1/30/09; AMD, 2022 MAR p. 43, Eff. 1/15/22.
6-183 1/30/2009 1/15/2022 History: 33-1-313, MCA; IMP; 33-1-502, 49-2-309, MCA; NEW, 1986 MAR p. 194, Eff. 2/14/86; AMD, 2009 MAR p. 83, Eff. 1/30/09.
2/14/1986 1/30/2009 History: Sec. 33-1-313 MCA; IMP, Sec 49-2-309 MCA; NEW, 1986 MAR p. 194, Eff. 2/14/86.
Home  |   Search  |   About Us  |   Contact Us  |   Help  |   Disclaimer  |   Privacy & Security