{"AmendmentNumber":"56","ParentBillNumber":"S3178","Bill":null,"Sponsor":{"Id":"L M0","Name":"Liz Miranda","Type":1,"Details":"https://malegislature.gov/api/GeneralCourts/194/LegislativeMembers/L M0","ResponseDate":"2026-07-22T15:54:55.46"},"Category":null,"Action":"Adopted","RollCall":[],"Title":"Auto Insurance Commission on Territorial Discrimination","Branch":"Senate","RedraftNumber":1,"IsFurther":false,"GeneralCourtNumber":194,"Text":"Ms. Miranda and Mr. Eldridge move that the proposed new text be amended by inserting after section 153 the following section:-\r\n\"SECTION 153A. (a) There shall be a special commission to conduct a comprehensive study and provide recommendations regarding the use of territorial and other rating factors considered by insurance companies that may result in  disparities when setting automobile insurance premiums.\r\n(b) The commission shall consist of: the chairs of the joint committee on financial services, who shall serve as co-chairs; 2 members appointed by senate president, who shall be members of the Massachusetts Black and Latino caucus; 2 members appointed by the speaker of the house of representatives, who shall be members of the Massachusetts Black and Latino caucus; 1 member appointed by the minority leader of the senate; 1 member appointed by the minority leader of the house of representatives; the attorney general  or a designee; the commissioner of  insurance or a designee; the executive director of the Massachusetts Insurance Federation, Inc.; the executive director of the National Consumer Law Center, Inc.; and a representative of the  Consumer Federation of America.\r\n(c) The commission shall investigate and study: (i) the use of zip code, garaging location and geographical area in setting automobile insurance rates or coverage decisions in the commonwealth; (ii) other factors that may be used in rating that are potentially discriminatory in nature; (iii) the impact on automobile insurance premiums  when zip code, garaging location and geographical area are used  in determining automobile insurance rates; (iv) how automobile insurance rates are currently calculated by insurance companies providing auto insurance in the commonwealth; (v) structural changes to the calculation of rates that would narrow disparities in auto insurance premiums by territory; and (vi) any other relevant information for the legislature’s consideration.\r\n(d) The commission shall submit a report of its findings and recommendations, including any proposed legislation, to the clerks of the senate and house of representatives not later than August 1, 2027.”.\r\n"}