No insurance institution or agent shall base an adverse underwriting decision in whole or in part:
(1) On a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism, provided an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision;
(2) On personal information received from an insurance-support organization whose primary source of information is an insurance institution, provided an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as the result of information received from an insurance-support organization.
(P.A. 81-368, S. 13, 25; P.A. 02-24, S. 10; P.A. 08-110, S. 7.)
History: Sec. 38-512 transferred to Sec. 38a-987 in 1991; P.A. 02-24 substituted Subdiv. designators “(1)” and “(2)” for “(a)” and “(b)”; P.A. 08-110 made a technical change, effective May 27, 2008.
Structure Connecticut General Statutes
Chapter 705 - Connecticut Insurance Information and Privacy Protection Act
Section 38a-976. (Formerly Sec. 38-501). - Definitions.
Section 38a-977. (Formerly Sec. 38-502). - Applicability. Exceptions.
Section 38a-978. (Formerly Sec. 38-503). - Use of pretext interviews.
Section 38a-979. (Formerly Sec. 38-504). - Notice of insurance information practices.
Section 38a-982. (Formerly Sec. 38-507). - Investigative consumer reports.
Section 38a-983. (Formerly Sec. 38-508). - Access to recorded personal information.
Section 38a-988. (Formerly Sec. 38-513). - Disclosure limitations and conditions.
Section 38a-989. (Formerly Sec. 38-514). - Powers of commissioner.
Section 38a-990. (Formerly Sec. 38-515). - Hearings; subpoenas; service of process.
Section 38a-992. (Formerly Sec. 38-517). - Commissioner to prepare findings.
Section 38a-993. (Formerly Sec. 38-518). - Penalties.
Section 38a-994. (Formerly Sec. 38-519). - Appeals from orders.
Section 38a-995. (Formerly Sec. 38-520). - Individual remedies.
Section 38a-996. (Formerly Sec. 38-521). - Immunity.
Section 38a-997. (Formerly Sec. 38-522). - Obtaining information under false pretenses. Fine.
Section 38a-998. (Formerly Sec. 38-523). - Severability.
Section 38a-999. - Written policies, standards and procedures re medical record information.