WSR 07-14-103

PERMANENT RULES

OFFICE OF

INSURANCE COMMISSIONER

[ Insurance Commissioner Matter No. R 2007-03 -- Filed July 2, 2007, 1:33 p.m. , effective August 2, 2007 ]


Effective Date of Rule: Thirty-one days after filing.

Purpose: WAC 284-24A-011 was adopted in December 2004. During that rule making a section caption included an incorrect reference. This amendment will correct that reference.

Citation of Existing Rules Affected by this Order: Amending WAC 284-24A-011.

Statutory Authority for Adoption: RCW 48.02.060 and 48.18.545.

Adopted under notice filed as WSR 07-09-099 on April 18, 2007.

Number of Sections Adopted in Order to Comply with Federal Statute: New 0, Amended 0, Repealed 0; Federal Rules or Standards: New 0, Amended 0, Repealed 0; or Recently Enacted State Statutes: New 0, Amended 0, Repealed 0.

Number of Sections Adopted at Request of a Nongovernmental Entity: New 0, Amended 0, Repealed 0.

Number of Sections Adopted on the Agency's Own Initiative: New 0, Amended 1, Repealed 0.

Number of Sections Adopted in Order to Clarify, Streamline, or Reform Agency Procedures: New 0, Amended 0, Repealed 0.

Number of Sections Adopted Using Negotiated Rule Making: New 0, Amended 0, Repealed 0; Pilot Rule Making: New 0, Amended 0, Repealed 0; or Other Alternative Rule Making: New 0, Amended 1, Repealed 0.

Date Adopted: July 2, 2007.

Mike Kreidler

Insurance Commissioner

OTS-9676.1


AMENDATORY SECTION(Amending Matter No. R 2004-01, filed 12/29/04, effective 7/1/05)

WAC 284-24A-011   What types of information must an insurer provide in addition to the reason(s) for the adverse action to comply with WAC 284-24A-010(((3))) (2)?   (1) Insurers must provide information that helps the consumer determine why the consumer was charged a higher premium or determined to be ineligible for coverage by the insurer. The following information must be included with the reason for the adverse action:

(a) A description of the attribute of credit history that adversely affected the consumer's insurance score;

(b) How the attribute of credit history affected the insurance score; and

(c) Any actions that are available to the consumer that may improve this attribute of the insurance score.

(2) If an insurer refers to insurance industry research or studies to justify the effect of an insurance score on premiums or eligibility for coverage, the insurer must file those studies with the insurance commissioner so that they are available for public disclosure.

[Statutory Authority: RCW 48.02.060, 48.18.545, 48.19.035, and 48.30.010. 05-02-026 (Matter No. R 2004-01), 284-24A-011, filed 12/29/04, effective 7/1/05.]

Washington State Code Reviser's Office