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 746.665 – Limitations and conditions on disclosure of certain information.
(1) A licensee or insurance-support organization may not disclose any personal or privileged information about an individual collected or received in connection with an insurance transaction unless the disclosure meets one or more of the following conditions: (a) Is with the written authorization of the individual, and: (A) If the authorization is submitted by another […]
Section 746.668 – Relationship of ORS 746.620, 746.630 and 746.665 to federal Fair Credit Reporting Act.
Nothing in ORS 746.620, 746.630 or 746.665 may be construed to modify, limit or supersede the operation of the federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) and no inference may be drawn on the basis of ORS 746.620, 746.630 or 746.665 regarding whether personal information is transaction information or experience information under […]
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 […]
Section 746.625 – Marketing and research surveys.
An insurer or insurance producer shall clearly identify those questions that are designed to obtain personal information solely for marketing or research purposes from an individual in connection with an insurance transaction. [1981 c.649 §7; 2003 c.87 §11; 2003 c.364 §156]
Section 746.630 – Authorization for disclosure of certain information; forms; revocation.
(1) Notwithstanding any other law of this state, a licensee or insurance-support organization may not use as its disclosure authorization form in connection with insurance transactions a form or statement that authorizes the disclosure of personal or privileged information about an individual to the licensee or insurance-support organization unless the form or statement is clear […]