P&CMAmedium
Under 211 CMR 79.00, how is the use of credit information treated in Massachusetts private passenger automobile rating?
ACredit information may be used as the sole basis for any auto rate or underwriting decision
BCredit information must be used by every MA auto insurer on every policy, regardless of individual insurer underwriting guidelines
Consumer credit information may not be used in private passenger auto rating or underwriting
DCredit information may only be used by surplus lines insurers
Why this is the answer
211 CMR 79.04(13) bars any use of credit information from a consumer report in Massachusetts private passenger auto insurance, both in rating (classification plans, rules, rates, rating plans) and in underwriting (whether to issue or renew, or placement within an insurer group). Credit is therefore not merely limited but excluded; insurers may still use claims history, driving records and RMV reports.
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