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2002 Insurance Bills Passed Into Law

HB 1502: Credit Scoring
This was MAIA's major priority legislation. Among other things, the bill:
 • Prohibits insurers from using credit information or the lack thereof as the sole factor in underwriting.
 • Provides guidance to consumers on how to obtain their credit reports and how to challenge unfavorable or disputed information, and
 • Clarifies that consumers are not damaging their credit histories simply by shopping for insurance. Effective 7/1/03
 
HB 1468: Commercial Deregulation and Guaranty Assn. Changes
This bill includes a "clean-up" of the commercial deregulation law that passed in 2001. It would more efficiently implement the current law. It also makes minor changes to allow the Guaranty Association to accept claim forms from liquidators. (They previously required that their claim forms be used.) Effective 8/28/02
 
HB 1532: Dram Shop Bill
Restores "dram shop" immunity in Missouri except for serving a minor or an obviously intoxicated person. Effective 8/28/02.