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| 2 | 2 | | HOUSE DOCKET, NO. 845 FILED ON: 1/13/2025 |
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| 3 | 3 | | HOUSE . . . . . . . . . . . . . . . No. 1265 |
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| 4 | 4 | | The Commonwealth of Massachusetts |
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| 5 | 5 | | _________________ |
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| 6 | 6 | | PRESENTED BY: |
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| 7 | 7 | | Frank A. Moran |
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| 8 | 8 | | _________________ |
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| 9 | 9 | | To the Honorable Senate and House of Representatives of the Commonwealth of Massachusetts in General |
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| 10 | 10 | | Court assembled: |
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| 11 | 11 | | The undersigned legislators and/or citizens respectfully petition for the adoption of the accompanying bill: |
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| 12 | 12 | | An Act relative to auto insurance costs for traditionally low-and moderate income communities. |
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| 13 | 13 | | _______________ |
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| 14 | 14 | | PETITION OF: |
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| 15 | 15 | | NAME:DISTRICT/ADDRESS :DATE ADDED:Frank A. Moran17th Essex1/13/2025 1 of 1 |
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| 16 | 16 | | HOUSE DOCKET, NO. 845 FILED ON: 1/13/2025 |
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| 17 | 17 | | HOUSE . . . . . . . . . . . . . . . No. 1265 |
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| 18 | 18 | | By Representative Moran of Lawrence, a petition (accompanied by bill, House, No. 1265) of |
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| 19 | 19 | | Frank A. Moran relative to auto insurance costs for traditionally low-and moderate income |
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| 20 | 20 | | communities. Financial Services. |
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| 21 | 21 | | The Commonwealth of Massachusetts |
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| 22 | 22 | | _______________ |
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| 23 | 23 | | In the One Hundred and Ninety-Fourth General Court |
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| 24 | 24 | | (2025-2026) |
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| 25 | 25 | | _______________ |
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| 26 | 26 | | An Act relative to auto insurance costs for traditionally low-and moderate income communities. |
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| 27 | 27 | | Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority |
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| 28 | 28 | | of the same, as follows: |
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| 29 | 29 | | 1 The commissioner of insurance shall conduct an investigation and study of the impact of |
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| 30 | 30 | | 2geographic location data in automobile insurance rate calculation. The commissioner shall |
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| 31 | 31 | | 3evaluate, at a minimum: (1) the automobile insurance premiums for each zip code in the |
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| 32 | 32 | | 4commonwealth; (2) the difference in automobile insurance premiums for drivers with equivalent |
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| 33 | 33 | | 5driving factors, such as accidents and miles driven per year, in low income, moderate income, |
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| 34 | 34 | | 6and high income zip codes; (3) the risk factors for each zip code in the commonwealth; and (4) |
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| 35 | 35 | | 7the discriminatory impact on drivers in low and moderate income zip codes. The commissioner |
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| 36 | 36 | | 8shall make recommendations and shall submit findings to the joint committee on transportation |
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| 37 | 37 | | 9and to the house and senate committees on ways and means not later than December 31, 2026. |
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