This is INSURANCE MADE SIMPLE, Episode 8 & Peter Vitale is here to discuss: The states that you have the right to apply for a reasonable exception, states that don't use credit scoring in their auto insurance pricing, your option if you have subpar credit, extraordinary life circumstances, a full breakdown of 8 reasonable exception requests & more. This episode is not to he missed! 

Contact Peter at: https://www.linkedin.com/in/vitalepeter

Email Peter at: Peter@encoreinsurancegroup.com

Get a quote at: https://app.usecanopy.com/c/Encore-Peter

https://ncoil.org/wp-content/uploads/2016/04/11262015PropertyCasualtyModelAct.pdf

https://secureservercdn.net/50.62.194.59/33a.fce.mwp.accessdomain.com/wp-

content/uploads/2016/04/2007203b.pdf

Many state laws regulating insurance scores are based on a model law developed by the National Conference of Insurance Legislators (NCOIL). Among other things, the model legislation requires insurers to disclose to consumers that a credit report may be used and to notify the policyholder in compliance with the federal Fair Credit Reporting Act when credit is the basis for an adverse action. The model law prohibits the use of credit information as the sole basis for refusal to insure, to non-renew or to cancel. It also bars the use of disputed information or information identified as medical collection accounts in the credit report. And it encourages insurers to take into account extraordinary life events, such as catastrophic illness or the death of a spouse.

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