- (a) The purpose of this section is to preclude insurers from charging higher rates for innocent prior-uninsured motorists who have not operated a motor vehicle in violation of any financial responsibility or compulsory insurance requirement within the prior twelve months.
- (b) As used in this section, "motor vehicle insurance" means any type of insurance described in IC 27-1-5-1 , Class 2(f).
- (c) A motor vehicle insurer may not discriminate in establishing a rate for a policyholder or applicant, based solely on the absence of insurance by the applicant or policyholder.
- (d) This section does not apply to applicants who first received their driver's license within the past thirty-six (36) month period.
- (e) A violation of this section is an unfair and deceptive act or practice in the business of insurance under IC 27-4-1-4 .
As added by P.L.169-1999, SEC.1.