                                 CODE OF VIRGINIA

BASES FOR ADVERSE UNDERWRITING DECISIONS (§ 38.2-612)

A. No insurance institution or agent may base an adverse underwriting decision
in whole or in part:

   1. On the fact of a previous adverse underwriting decision or on the fact that
   an individual previously obtained insurance coverage through a residual market
   mechanism. However, an insurance institution or agent may base an adverse
   underwriting decision on further information obtained from an insurance
   institution or agent responsible for a previous adverse underwriting decision;

   2. On personal information received from an insurance-support organization
   whose primary source of information is insurance institutions. However, an
   insurance institution or agent may base an adverse underwriting decision on
   further personal information obtained as the result of information received
   from an insurance-support organization; or

   3. On the fact that an individual previously obtained insurance coverage from
   a particular insurance institution or agent.

B. No insurance institution or agent may base an adverse underwriting decision
solely on the loss history of a previous owner of the property to be insured.

HISTORY: 1981, c. 389, § 38.1-57.15; 1986, c. 562; 1990, c. 524; 2003, c. 415.