Section 746.650 – Reasons for adverse underwriting decisions.
Except as otherwise provided in ORS 743B.250, 743B.252, 743B.255 and 743B.422: (1) In the event of an adverse underwriting decision, the insurer or insurance producer responsible for the decision must: (a) Either provide the consumer proposed for coverage with the specific reason or reasons for the adverse underwriting decision in writing or advise the consumer […]
Section 746.655 – Information concerning previous adverse underwriting decisions.
No insurer, insurance producer or insurance-support organization may seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by an individual, or any previous insurance coverage obtained by an individual through a residual market mechanism, unless the inquiry also requests the reasons for any previous adverse underwriting decision or the […]
Section 746.660 – Basing adverse underwriting decision on previous adverse decision.
No insurer or insurance producer may base an adverse underwriting decision in whole or in part on: (1) The fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism. However, an insurer or insurance producer may base an adverse underwriting decision on […]
Section 746.661 – Use of credit history or insurance score.
(1) An insurer that issues personal insurance policies in this state: (a) May not cancel or nonrenew personal insurance that has been in effect for more than 60 days based in whole or in part on a consumer’s credit history or insurance score. (b) May use a consumer’s credit history to decline coverage of personal […]
Section 746.662 – Filing of insurance scoring models.
(1) An insurer may not use credit history to determine personal insurance eligibility, premiums or rates for coverage unless the insurer has filed the insurance scoring models used by the insurer with the Director of the Department of Consumer and Business Services. An insurance scoring model includes all attributes and factors used in the calculation […]
Section 746.663 – Cancellation or nonrenewal of personal insurance policies based on credit history or insurance score.
(1) An insurer that issues personal insurance policies in this state may not cancel or nonrenew a policy of personal insurance based in whole or in part on a consumer’s credit history or insurance score. (2) If, prior to January 1, 2004, an insurer has assigned a consumer to a less favorable rating category for […]
Section 746.611 – Personal representative of deceased person.
If no person has been appointed as a personal representative under ORS chapter 113 or a person appointed as a personal representative under ORS chapter 113 has been discharged, the personal representative of a deceased individual shall be the first of the following persons, in the following order, who may be located upon reasonable effort […]
Section 746.612 – No right of action.
Nothing in ORS 746.607 may be construed to create a new private right of action against a health insurer. [2003 c.87 §18a]
Section 746.615 – Pretext interviews prohibited.
An insurer, insurance producer or insurance-support organization may not use or authorize the use of pretext interviews to obtain personal information in connection with an insurance transaction. However, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally recognized or statutorily recognized privileged relationship with […]
Section 746.620 – Notice of insurance information practices; exceptions; rules.
(1) A licensee must provide a clear and conspicuous notice of personal information practices to individuals in connection with insurance transactions under the following circumstances and at the following times: (a) Except as provided in this paragraph, to a consumer who becomes a customer of the licensee, not later than the date that the licensee […]