Legislature(2017 - 2018)
2018-03-01 Senate Journal
Full Journal pdf2018-03-01 Senate Journal Page 2157 HB 195 HOUSE BILL NO. 195 "An Act relating to insurer actions based on credit history and insurance scores at insurance policy renewal; and providing for insurer consideration of consumer requests for exceptions of credit history or insurance scores" was read the third time. Senator Wielechowski moved the bill be returned to second reading for the purpose of two specific amendments, Amendment No. 1 and Amendment No. 2. Without objection, the bill was returned to second reading. Senator Wielechowski offered Amendment No. 1 : Page 1, lines 1 - 3: Delete all material and insert: ""An Act prohibiting an insurer from using a consumer's credit history in underwriting, rating, or determining premiums or eligibility for personal insurance."" Page 1, line 5, through page 10, line 9: Delete all material and insert: "* Section 1. AS 21.36.460 is repealed and reenacted to read: Sec. 21.36.460. Restriction on the use of consumer credit history. (a) An insurer may not use a consumer's credit history to underwrite, rate, or determine premiums or eligibility for personal insurance. (b) In this section, (1) "consumer" means an individual policyholder or an applicant for personal insurance; (2) "credit history" means written, oral, or other communication of information by a consumer credit reporting agency or other source relating to a consumer's creditworthiness, credit standing, or credit capacity; (3) "personal insurance" means (A) private passenger automobile or motorcycle coverage; (B) homeowner coverage, including mobile homeowner's, manufactured homeowner's, condominium 2018-03-01 Senate Journal Page 2158 owner's, and renter's coverage; (C) dwelling property coverage; (D) earthquake coverage for a residence or personal property; (E) personal liability and theft coverage; (F) personal property inland marine coverage; (G) personal boat, watercraft, snowmobile, and recreational vehicle coverage; and (H) umbrella insurance coverage. * Sec. 2. AS 21.39.035 and AS 45.48.210(a)(11) are repealed." Senator Wielechowski moved for the adoption of Amendment No. 1. Senator Micciche objected. The question being: "Shall Amendment No. 1 be adopted?" The roll was taken with the following result: HB 195 Second Reading Amendment No. 1? YEAS: 6 NAYS: 12 EXCUSED: 2 ABSENT: 0 Yeas: Begich, Egan, Gardner, Kelly, Olson, Wielechowski Nays: Bishop, Coghill, Costello, Giessel, MacKinnon, Meyer, Micciche, Shower, Stedman, Stevens, von Imhof, Wilson Excused: Hoffman, Hughes and so, Amendment No. 1 failed. Senator Wielechowski offered Amendment No. 2 : Page 1, line 1, following "Act": Insert "relating to premium increases on personal automobile insurance policies;" Page 1, following line 4: Insert a new bill section to read: "* Section 1. AS 21.36.305 is amended by adding a new subsection to read: (f) An insurer may not increase the premium or add a surcharge to a personal automobile insurance policy because the 2018-03-01 Senate Journal Page 2159 insured was involved in a motor vehicle collision if the insured was not at fault." Page 1, line 5: Delete "Section 1" Insert "Sec. 2" Renumber the following bill sections accordingly. Senator Wielechowski moved for the adoption of Amendment No. 2. Senator Micciche objected. Senator Costello rose to a point of order. President Kelly cautioned members to proceed in order. The question being: "Shall Amendment No. 2 be adopted?" The roll was taken with the following result: HB 195 Second Reading Amendment No. 2? YEAS: 7 NAYS: 11 EXCUSED: 2 ABSENT: 0 Yeas: Begich, Bishop, Egan, Gardner, Stedman, Wielechowski, Wilson Nays: Coghill, Costello, Giessel, Kelly, MacKinnon, Meyer, Micciche, Olson, Shower, Stevens, von Imhof Excused: Hoffman, Hughes and so, Amendment No. 2 failed. HOUSE BILL NO. 195 was automatically in third reading. The question being: "Shall HOUSE BILL NO. 195 "An Act relating to insurer actions based on credit history and insurance scores at insurance policy renewal; and providing for insurer consideration of consumer requests for exceptions of credit history or insurance scores" pass the Senate?" The roll was taken with the following result: HB 195 Third Reading - Final Passage 2018-03-01 Senate Journal Page 2160 YEAS: 13 NAYS: 4 EXCUSED: 3 ABSENT: 0 Yeas: Bishop, Coghill, Costello, Giessel, Kelly, MacKinnon, Meyer, Micciche, Olson, Shower, Stedman, von Imhof, Wilson Nays: Begich, Egan, Gardner, Wielechowski Excused: Hoffman, Hughes, Stevens and so, HOUSE BILL NO. 195 passed the Senate, was signed by the President and Secretary and returned to the House.