North Carolina 2021-2022 Session Status: In Committee 4 R cosponsors

SB 271 — Rate-Making Legislation.

Last action — Passed 1st Reading

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill died with 2021-2022 Session. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there is no live prognosis. It would have to be reintroduced in the current session to move again.

Bill Text

What changed in the latest version

13 added · 14 removed

Plain-language change summary

In the latest version of Senate Bill 271, a company is now prohibited from imposing conditions on the acceptance or renewal of an insurance policy based on a driver’s record of moving traffic violations. Additionally, the time frame during which these infractions can affect insurance premiums has been extended from three years to five years. This change aims to provide greater protection for drivers by preventing insurance companies from raising premiums based on older violations, making insurance more accessible and affordable for those affected.

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FILED SENATE GENERAL ASSEMBLY OF NORTH CAROLINA Mar 11, 2021 S.B.
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2021 S 1 SENATE BILL 271 Short Title:
271 SESSION 2021 PRINCIPAL CLERK S D SENATE BILL DRS45150-NE-47C Short Title:
A BILL TO BE ENTITLED AN ACT TO AMEND THE INSURANCE RATE-MAKING LAWS.
Rules and Operations of the Senate March 15, 2021 A BILL TO BE ENTITLED AN ACT TO AMEND THE INSURANCE RATE-MAKING LAWS.
A company shall not condition (i) the acceptance or renewal of a policy, (ii) any underwriting criteria, or (iii) any rating criteria upon the acceptance by the policyholder of any optional automobile or homeowners' enhancements authorized by this section.
A companyshall not condition (i) the acceptance or renewal of a policy, (ii) anyunderwriting criteria, or (iii) any rating criteria upon the acceptance by the policyholder of any optional automobile or homeowners' enhancements authorized by this section.
A rate amendment *DRS45150-NE-47C* General Assembly Of North Carolina Session 2021 authorized by this section is not a rate deviation and is not subject to the requirements for rate deviations set forth in G.S.
A rate amendment *S271-v-1* General Assembly Of North Carolina Session 2021 authorized by this section is not a rate deviation and is not subject to the requirements for rate deviations set forth in G.S.
"(k) The For insureds receiving a drivers license for the first time on or before September 30, 2021, the subclassification plan may provide for premium surcharges for insureds having less than three years' driving experience as licensed drivers.
"(k) The For insureds receiving a drivers license for the first time on or before September 30, 2021, the subclassification plan mayprovide for premium surcharges for insureds havingless than three years' driving experience as licensed drivers.
"(f) The subclassification plan shall provide that with respect to a conviction for a "violation of speeding 10 miles per hour or less over the speed limit" there shall be no premium surcharge nor any assessment of points unless there is a driving record consisting of a conviction or convictions for a moving traffic violation or violations, except for a prayer for judgment continued for any moving traffic violation, during the three five years immediately preceding the date of application or the preparation of the renewal.
"(f) The subclassification plan shall provide that with respect to a conviction for a "violation of speeding 10 miles per hour or less over the speed limit" there shall be no premium surcharge nor any assessment of points unless there is a driving record consisting of a conviction or convictions for a moving traffic violation or violations, except for a prayer for judgment continued for anymoving traffic violation, during the three five years immediatelypreceding the date of application or the preparation of the renewal.
For the purpose of this subsection, a "violation of speeding 10 miles per hour or less over the speed limit" does Page 2 DRS45150-NE-47C General Assembly Of North Carolina Session 2021 not include the offense of speeding in a school zone in excess of the posted school zone speed limit." SECTION 5.
For the purpose of this subsection, a "violation of speeding 10 miles per hour or less over the speed limit" does Page 2 Senate Bill 271-First Edition General Assembly Of North Carolina Session 2021 not include the offense of speeding in a school zone in excess of the posted school zone speed limit." SECTION 5.
This public outreach shall include information published on the Department's website and may be coordinated with members of the insurance industry and the North Carolina Rate Bureau.
This public outreach shall include information published on the Department's website and maybe coordinated with members of the insurance industryand the North Carolina Rate Bureau.
DRS45150-NE-47C Page 3
Senate Bill 271-First Edition Page 3
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How this bill changes current law

6 changes Share ↗

Compared against the N.C. General Statutes as published AI-generated reading aid — verify against the official bill.

The bill amends insurance rate-making laws, modifies definitions related to convictions, and adds provisions for safe driver discounts and public outreach regarding insurance impacts.

  • G.S. 58-36-65(i)

    none → "conviction" means a conviction as defined in G.S. 20-279.1 plea of guilty, a plea of no contest, or the determination of guilt by a jury or by a court, even if no sentence has been imposed or, if imposed, has been suspended, and it includes a forfeiture of bail or collateral deposited to secure appearance in court of the defendant, unless the forfeiture has been vacated, and means an infraction as defined in G.S. 14-3.1.

    This change defines 'conviction' more broadly to include infractions defined in another statute.

  • G.S. 58-36-43(b)

    G.S. 58-36-43(b)

    This repeal removes existing provisions regarding optional enhancements for policies.

  • G.S. 58-36-65(k)

    The For insureds receiving a drivers license for the first time on or before September 30, 2021, the subclassification plan mayprovide for premium surcharges for insureds havingless than three years' driving experience as licensed drivers. → For insureds receiving a drivers license for the first time on or before September 30, 2021, the subclassification plan may provide for premium surcharges for insureds having less than three years' driving experience as licensed drivers.

    This change corrects grammatical errors in the subsection regarding premium surcharges for inexperienced drivers.

  • G.S. 58-36-65(k)

    Notwithstanding subsection (j) of this section, for insureds receiving a drivers license for the first time on or after October 1, 2021, the subclassification plan may provide for premium surcharges for insureds having less than eight years' driving experience as licensed drivers. → Notwithstanding subsection (j) of this section, for insureds receiving a drivers license for the first time on or after October 1, 2021, the subclassification plan may provide for premium surcharges for insureds having less than eight years' driving experience as licensed drivers.

    This change clarifies eligibility criteria for premium surcharges for new drivers.

  • G.S. 58-36-75(f)

    three five → five

    This change modifies the period from three years to five years for considering previous moving violations when calculating premiums.

  • G.S. 58-36-75(f)

    a "violation of speeding 10 miles per hour or less over the speed limit" does → a "violation of speeding 10 miles per hour or less over the speed limit" does

    This change adds clarification regarding speeding violations in relation to premium surcharges.

Action History

  1. Passed 1st Reading

  2. Ref To Com On Rules and Operations of the Senate

  3. Filed

Sponsors

Sponsorship breakdown

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2 sponsors · 4 co-sponsors · 173 not signed on

Sponsors (2)

Co-sponsors (4)

Not signed on (173)

173 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

public-safety finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 271?
SB 271 is sponsored by Jim Burgin (Republican), Vickie Sawyer (Republican), Kevin Corbin (Republican), Edwards, Perry, and Todd Johnson (Republican).
What is the current status of SB 271?
This bill died with 2021-2022 Session. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track SB 271?
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