Connecticut House Bill HB05362

Connecticut 2020 Regular Session

• Introduced: 2/27/20
• Refer: 2/27/20
• Report Pass: 3/10/20

Caption

An Act Concerning Property And Casualty Insurance And Discrimination Against Victims Of Domestic Violence.

Impact

If enacted, HB 5362 would amend existing insurance laws to enhance protections for domestic violence victims within the realm of property and casualty insurance. This legislative move not only aligns with broader social justice efforts but would also instigate changes across state law regarding insurance practices. Insurers will be required to implement new policies and procedures to ensure compliance with this law, potentially leading to changes in underwriting practices and claims processing for the mentioned insurance categories.

Summary

House Bill 5362 aims to prohibit discrimination by insurers against individuals who are victims of domestic violence. The bill stipulates that no property or casualty insurance policy can make distinctions in terms of policy issuance, renewal, or terms solely based on a person's status as a victim of domestic violence. Such discrimination is classified as an unfair method of competition and an unfair or deceptive act within the insurance business, reinforcing the bill's intent to protect vulnerable populations from potential exploitation by insurers.

Contention

While the bill is intended to provide essential protections for a historically marginalized group, there might be contention regarding the enforcement mechanisms for ensuring compliance among insurers. Opponents could argue that the bill imposes additional regulatory burdens on insurance companies, which could affect premiums or coverage availability for all customers, not just those impacted by domestic violence. Proponents of the bill will need to carefully navigate these concerns to ensure support across different stakeholder groups while advocating for victims' rights.