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Bill to Protect Returning Soldiers in Insurance Introduced in Mississippi

State Rep. Dean Kirby (R) has introduced a bill that would prevent insurance companies from penalizing individuals activated for military service. In Mississippi, drivers are...
January 18, 2006

State Rep. Dean Kirby (R) has introduced a bill that would prevent insurance companies from penalizing individuals activated for military service. In Mississippi, drivers are not required to keep insurance on a car that is paid off if they are not driving it. So, many soldiers, especially the young and single, cancel their policies to save money. Kirby said the companies then place them in an assigned risk category and charge a higher premium when they renew.

"I'm saying in this bill that those guys who are overseas, and not using their car, when they come back they're entitled to have the same coverage they would have had had they continued to pay it," Kirby said. "We're just telling the insurance companies they can't penalize someone for serving our country and not paying for insurance while they're gone." Gov. Jeb Bush signed a similar bill into law in Florida in May of last year.

PIA conducted a nationwide campaign beginning in May 2004 urging states to issue bulletins or pass laws prohibiting the use of "continuous coverage" underwriting standards in the case of U.S. active duty military personnel.  More than 25 states responded with bulletins or laws.

Miss. Bill Would Prevent Insurance Companies from Penalizing Soldiers (Insurance Journal 1/12/06)

States Respond to PIA Call to Protect Returning Soldiers (6/4/2004)

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